LTV · monthly repayment
▼ 0.50% · 3.625%
HK$129,560
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,590
−HK$4,095/mo
Today · 4.125%
HK$137,685
baseline
▲ 0.50% · 4.625%
HK$146,062
+HK$8,377/mo
Deposit HK$28.41M · loan HK$28.41M · min. income ≈ HK$275,370/mo (50% DSR)
Upfront cash ≈ HK$30.82M (deposit + AVD stamp duty HK$2,414,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,134
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$148,000
−HK$3,921/mo
Today · 4.125%
HK$151,921
baseline
▲ 0.50% · 4.625%
HK$159,929
+HK$8,008/mo
Deposit HK$28.41M · loan HK$28.41M · min. income ≈ HK$303,842/mo (50% DSR)
Upfront cash ≈ HK$30.82M (deposit + AVD stamp duty HK$2,414,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,472
−HK$9,750/mo
▼ 0.25% · 3.875%
HK$160,308
−HK$4,914/mo
Today · 4.125%
HK$165,222
baseline
▲ 0.50% · 4.625%
HK$175,275
+HK$10,053/mo
Deposit HK$22.73M · loan HK$34.09M · min. income ≈ HK$330,444/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$2,414,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,961
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$177,600
−HK$4,706/mo
Today · 4.125%
HK$182,306
baseline
▲ 0.50% · 4.625%
HK$191,915
+HK$9,609/mo
Deposit HK$22.73M · loan HK$34.09M · min. income ≈ HK$364,612/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$2,414,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,384
−HK$11,375/mo
▼ 0.25% · 3.875%
HK$187,026
−HK$5,733/mo
Today · 4.125%
HK$192,759
baseline
▲ 0.50% · 4.625%
HK$204,487
+HK$11,728/mo
Deposit HK$17.05M · loan HK$39.77M · min. income ≈ HK$385,518/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$2,414,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,788
−HK$10,902/mo
▼ 0.25% · 3.875%
HK$207,200
−HK$5,490/mo
Today · 4.125%
HK$212,690
baseline
▲ 0.50% · 4.625%
HK$223,901
+HK$11,211/mo
Deposit HK$17.05M · loan HK$39.77M · min. income ≈ HK$425,380/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$2,414,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,208
−HK$14,624/mo
▼ 0.25% · 3.875%
HK$240,462
−HK$7,370/mo
Today · 4.125%
HK$247,832
baseline
▲ 0.50% · 4.625%
HK$262,912
+HK$15,080/mo
Deposit HK$5.68M · loan HK$51.14M · min. income ≈ HK$495,664/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,414,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,442
−HK$14,017/mo
▼ 0.25% · 3.875%
HK$266,400
−HK$7,059/mo
Today · 4.125%
HK$273,459
baseline
▲ 0.50% · 4.625%
HK$287,873
+HK$14,414/mo
Deposit HK$5.68M · loan HK$51.14M · min. income ≈ HK$546,918/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,414,774 · Scale 2, in force from 26 Feb 2026)