LTV · monthly repayment
▼ 0.50% · 3.625%
HK$120,970
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$124,733
−HK$3,823/mo
Today · 4.125%
HK$128,556
baseline
▲ 0.50% · 4.625%
HK$136,378
+HK$7,822/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$257,112/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,578
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,187
−HK$3,662/mo
Today · 4.125%
HK$141,849
baseline
▲ 0.50% · 4.625%
HK$149,326
+HK$7,477/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$283,698/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,164
−HK$9,103/mo
▼ 0.25% · 3.875%
HK$149,679
−HK$4,588/mo
Today · 4.125%
HK$154,267
baseline
▲ 0.50% · 4.625%
HK$163,654
+HK$9,387/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$308,534/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,493
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$165,825
−HK$4,393/mo
Today · 4.125%
HK$170,218
baseline
▲ 0.50% · 4.625%
HK$179,191
+HK$8,973/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$340,436/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,358
−HK$10,620/mo
▼ 0.25% · 3.875%
HK$174,626
−HK$5,352/mo
Today · 4.125%
HK$179,978
baseline
▲ 0.50% · 4.625%
HK$190,929
+HK$10,951/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$359,956/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,409
−HK$10,179/mo
▼ 0.25% · 3.875%
HK$193,462
−HK$5,126/mo
Today · 4.125%
HK$198,588
baseline
▲ 0.50% · 4.625%
HK$209,056
+HK$10,468/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$397,176/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,746
−HK$13,654/mo
▼ 0.25% · 3.875%
HK$224,519
−HK$6,881/mo
Today · 4.125%
HK$231,400
baseline
▲ 0.50% · 4.625%
HK$245,481
+HK$14,081/mo
Deposit HK$5.31M · loan HK$47.75M · min. income ≈ HK$462,800/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,240
−HK$13,087/mo
▼ 0.25% · 3.875%
HK$248,737
−HK$6,590/mo
Today · 4.125%
HK$255,327
baseline
▲ 0.50% · 4.625%
HK$268,786
+HK$13,459/mo
Deposit HK$5.31M · loan HK$47.75M · min. income ≈ HK$510,654/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,668 · Scale 2, in force from 26 Feb 2026)