LTV · monthly repayment
▼ 0.50% · 3.625%
HK$117,717
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$121,378
−HK$3,720/mo
Today · 4.125%
HK$125,098
baseline
▲ 0.50% · 4.625%
HK$132,710
+HK$7,612/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$250,196/mo (50% DSR)
Upfront cash ≈ HK$28.01M (deposit + AVD stamp duty HK$2,194,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,959
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,471
−HK$3,563/mo
Today · 4.125%
HK$138,034
baseline
▲ 0.50% · 4.625%
HK$145,310
+HK$7,276/mo
Deposit HK$25.81M · loan HK$25.81M · min. income ≈ HK$276,068/mo (50% DSR)
Upfront cash ≈ HK$28.01M (deposit + AVD stamp duty HK$2,194,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,260
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$145,654
−HK$4,464/mo
Today · 4.125%
HK$150,118
baseline
▲ 0.50% · 4.625%
HK$159,253
+HK$9,135/mo
Deposit HK$20.65M · loan HK$30.97M · min. income ≈ HK$300,236/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,194,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,150
−HK$8,491/mo
▼ 0.25% · 3.875%
HK$161,365
−HK$4,276/mo
Today · 4.125%
HK$165,641
baseline
▲ 0.50% · 4.625%
HK$174,372
+HK$8,731/mo
Deposit HK$20.65M · loan HK$30.97M · min. income ≈ HK$331,282/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$2,194,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,803
−HK$10,335/mo
▼ 0.25% · 3.875%
HK$169,930
−HK$5,208/mo
Today · 4.125%
HK$175,138
baseline
▲ 0.50% · 4.625%
HK$185,795
+HK$10,657/mo
Deposit HK$15.49M · loan HK$36.14M · min. income ≈ HK$350,276/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,194,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,342
−HK$9,905/mo
▼ 0.25% · 3.875%
HK$188,259
−HK$4,988/mo
Today · 4.125%
HK$193,247
baseline
▲ 0.50% · 4.625%
HK$203,434
+HK$10,187/mo
Deposit HK$15.49M · loan HK$36.14M · min. income ≈ HK$386,494/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$2,194,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,890
−HK$13,287/mo
▼ 0.25% · 3.875%
HK$218,481
−HK$6,696/mo
Today · 4.125%
HK$225,177
baseline
▲ 0.50% · 4.625%
HK$238,879
+HK$13,702/mo
Deposit HK$5.16M · loan HK$46.46M · min. income ≈ HK$450,354/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,194,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,725
−HK$12,736/mo
▼ 0.25% · 3.875%
HK$242,047
−HK$6,414/mo
Today · 4.125%
HK$248,461
baseline
▲ 0.50% · 4.625%
HK$261,558
+HK$13,097/mo
Deposit HK$5.16M · loan HK$46.46M · min. income ≈ HK$496,922/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$2,194,033 · Scale 2, in force from 26 Feb 2026)