LTV · monthly repayment
▼ 0.50% · 3.625%
HK$119,320
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$123,032
−HK$3,771/mo
Today · 4.125%
HK$126,803
baseline
▲ 0.50% · 4.625%
HK$134,518
+HK$7,715/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$253,606/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,223,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,743
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,303
−HK$3,611/mo
Today · 4.125%
HK$139,914
baseline
▲ 0.50% · 4.625%
HK$147,289
+HK$7,375/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$279,828/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,223,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,184
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$147,638
−HK$4,525/mo
Today · 4.125%
HK$152,163
baseline
▲ 0.50% · 4.625%
HK$161,422
+HK$9,259/mo
Deposit HK$20.93M · loan HK$31.40M · min. income ≈ HK$304,326/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,291
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$163,563
−HK$4,334/mo
Today · 4.125%
HK$167,897
baseline
▲ 0.50% · 4.625%
HK$176,747
+HK$8,850/mo
Deposit HK$20.93M · loan HK$31.40M · min. income ≈ HK$335,794/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,048
−HK$10,476/mo
▼ 0.25% · 3.875%
HK$172,245
−HK$5,279/mo
Today · 4.125%
HK$177,524
baseline
▲ 0.50% · 4.625%
HK$188,326
+HK$10,802/mo
Deposit HK$15.70M · loan HK$36.63M · min. income ≈ HK$355,048/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,840
−HK$10,040/mo
▼ 0.25% · 3.875%
HK$190,824
−HK$5,056/mo
Today · 4.125%
HK$195,880
baseline
▲ 0.50% · 4.625%
HK$206,205
+HK$10,325/mo
Deposit HK$15.70M · loan HK$36.63M · min. income ≈ HK$391,760/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,777
−HK$13,468/mo
▼ 0.25% · 3.875%
HK$221,457
−HK$6,788/mo
Today · 4.125%
HK$228,245
baseline
▲ 0.50% · 4.625%
HK$242,133
+HK$13,888/mo
Deposit HK$5.23M · loan HK$47.09M · min. income ≈ HK$456,490/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,223,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,937
−HK$12,909/mo
▼ 0.25% · 3.875%
HK$245,345
−HK$6,501/mo
Today · 4.125%
HK$251,846
baseline
▲ 0.50% · 4.625%
HK$265,121
+HK$13,275/mo
Deposit HK$5.23M · loan HK$47.09M · min. income ≈ HK$503,692/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,223,923 · Scale 2, in force from 26 Feb 2026)