LTV · monthly repayment
▼ 0.50% · 3.625%
HK$124,400
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,269
−HK$3,931/mo
Today · 4.125%
HK$132,200
baseline
▲ 0.50% · 4.625%
HK$140,245
+HK$8,045/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$264,400/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,393
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,105
−HK$3,765/mo
Today · 4.125%
HK$145,870
baseline
▲ 0.50% · 4.625%
HK$153,559
+HK$7,689/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$291,740/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,279
−HK$9,362/mo
▼ 0.25% · 3.875%
HK$153,923
−HK$4,718/mo
Today · 4.125%
HK$158,641
baseline
▲ 0.50% · 4.625%
HK$168,293
+HK$9,652/mo
Deposit HK$21.82M · loan HK$32.73M · min. income ≈ HK$317,282/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,072
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,526
−HK$4,518/mo
Today · 4.125%
HK$175,044
baseline
▲ 0.50% · 4.625%
HK$184,271
+HK$9,227/mo
Deposit HK$21.82M · loan HK$32.73M · min. income ≈ HK$350,088/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,159
−HK$10,922/mo
▼ 0.25% · 3.875%
HK$179,577
−HK$5,504/mo
Today · 4.125%
HK$185,081
baseline
▲ 0.50% · 4.625%
HK$196,342
+HK$11,261/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$370,162/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,318,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,751
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$198,947
−HK$5,271/mo
Today · 4.125%
HK$204,218
baseline
▲ 0.50% · 4.625%
HK$214,983
+HK$10,765/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$408,436/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,318,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,919
−HK$14,042/mo
▼ 0.25% · 3.875%
HK$230,884
−HK$7,077/mo
Today · 4.125%
HK$237,961
baseline
▲ 0.50% · 4.625%
HK$252,440
+HK$14,479/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$475,922/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,108
−HK$13,458/mo
▼ 0.25% · 3.875%
HK$255,789
−HK$6,777/mo
Today · 4.125%
HK$262,566
baseline
▲ 0.50% · 4.625%
HK$276,407
+HK$13,841/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$525,132/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,591 · Scale 2, in force from 26 Feb 2026)