LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,777
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$124,534
−HK$3,816/mo
Today · 4.125%
HK$128,350
baseline
▲ 0.50% · 4.625%
HK$136,160
+HK$7,810/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$256,700/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,251,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,363
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,966
−HK$3,656/mo
Today · 4.125%
HK$141,622
baseline
▲ 0.50% · 4.625%
HK$149,087
+HK$7,465/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$283,244/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,251,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,932
−HK$9,089/mo
▼ 0.25% · 3.875%
HK$149,440
−HK$4,581/mo
Today · 4.125%
HK$154,021
baseline
▲ 0.50% · 4.625%
HK$163,392
+HK$9,371/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$308,042/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,235
−HK$8,711/mo
▼ 0.25% · 3.875%
HK$165,560
−HK$4,386/mo
Today · 4.125%
HK$169,946
baseline
▲ 0.50% · 4.625%
HK$178,905
+HK$8,959/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$339,892/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,087
−HK$10,604/mo
▼ 0.25% · 3.875%
HK$174,347
−HK$5,344/mo
Today · 4.125%
HK$179,691
baseline
▲ 0.50% · 4.625%
HK$190,624
+HK$10,933/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$359,382/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,108
−HK$10,163/mo
▼ 0.25% · 3.875%
HK$193,153
−HK$5,118/mo
Today · 4.125%
HK$198,271
baseline
▲ 0.50% · 4.625%
HK$208,722
+HK$10,451/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$396,542/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,398
−HK$13,633/mo
▼ 0.25% · 3.875%
HK$224,160
−HK$6,871/mo
Today · 4.125%
HK$231,031
baseline
▲ 0.50% · 4.625%
HK$245,088
+HK$14,057/mo
Deposit HK$5.30M · loan HK$47.67M · min. income ≈ HK$462,062/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,853
−HK$13,067/mo
▼ 0.25% · 3.875%
HK$248,339
−HK$6,581/mo
Today · 4.125%
HK$254,920
baseline
▲ 0.50% · 4.625%
HK$268,357
+HK$13,437/mo
Deposit HK$5.30M · loan HK$47.67M · min. income ≈ HK$509,840/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,067 · Scale 2, in force from 26 Feb 2026)