LTV · monthly repayment
▼ 0.50% · 3.625%
HK$118,845
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,542
−HK$3,756/mo
Today · 4.125%
HK$126,298
baseline
▲ 0.50% · 4.625%
HK$133,983
+HK$7,685/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$252,596/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,215,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,214
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,760
−HK$3,597/mo
Today · 4.125%
HK$139,357
baseline
▲ 0.50% · 4.625%
HK$146,703
+HK$7,346/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$278,714/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,215,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,614
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$147,050
−HK$4,507/mo
Today · 4.125%
HK$151,557
baseline
▲ 0.50% · 4.625%
HK$160,779
+HK$9,222/mo
Deposit HK$20.85M · loan HK$31.27M · min. income ≈ HK$303,114/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,215,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,657
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$162,912
−HK$4,317/mo
Today · 4.125%
HK$167,229
baseline
▲ 0.50% · 4.625%
HK$176,044
+HK$8,815/mo
Deposit HK$20.85M · loan HK$31.27M · min. income ≈ HK$334,458/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,215,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,383
−HK$10,434/mo
▼ 0.25% · 3.875%
HK$171,559
−HK$5,258/mo
Today · 4.125%
HK$176,817
baseline
▲ 0.50% · 4.625%
HK$187,576
+HK$10,759/mo
Deposit HK$15.64M · loan HK$36.48M · min. income ≈ HK$353,634/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,100
−HK$10,000/mo
▼ 0.25% · 3.875%
HK$190,064
−HK$5,036/mo
Today · 4.125%
HK$195,100
baseline
▲ 0.50% · 4.625%
HK$205,384
+HK$10,284/mo
Deposit HK$15.64M · loan HK$36.48M · min. income ≈ HK$390,200/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,921
−HK$13,415/mo
▼ 0.25% · 3.875%
HK$220,576
−HK$6,760/mo
Today · 4.125%
HK$227,336
baseline
▲ 0.50% · 4.625%
HK$241,169
+HK$13,833/mo
Deposit HK$5.21M · loan HK$46.91M · min. income ≈ HK$454,672/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,985
−HK$12,858/mo
▼ 0.25% · 3.875%
HK$244,368
−HK$6,475/mo
Today · 4.125%
HK$250,843
baseline
▲ 0.50% · 4.625%
HK$264,065
+HK$13,222/mo
Deposit HK$5.21M · loan HK$46.91M · min. income ≈ HK$501,686/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,068 · Scale 2, in force from 26 Feb 2026)