LTV · monthly repayment
▼ 0.50% · 3.625%
HK$131,485
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,575
−HK$4,155/mo
Today · 4.125%
HK$139,730
baseline
▲ 0.50% · 4.625%
HK$148,232
+HK$8,502/mo
Deposit HK$28.83M · loan HK$28.83M · min. income ≈ HK$279,460/mo (50% DSR)
Upfront cash ≈ HK$31.28M (deposit + AVD stamp duty HK$2,450,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,275
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,198
−HK$3,980/mo
Today · 4.125%
HK$154,178
baseline
▲ 0.50% · 4.625%
HK$162,305
+HK$8,127/mo
Deposit HK$28.83M · loan HK$28.83M · min. income ≈ HK$308,356/mo (50% DSR)
Upfront cash ≈ HK$31.28M (deposit + AVD stamp duty HK$2,450,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,782
−HK$9,894/mo
▼ 0.25% · 3.875%
HK$162,689
−HK$4,987/mo
Today · 4.125%
HK$167,676
baseline
▲ 0.50% · 4.625%
HK$177,879
+HK$10,203/mo
Deposit HK$23.06M · loan HK$34.60M · min. income ≈ HK$335,352/mo (50% DSR)
Upfront cash ≈ HK$25.52M (deposit + AVD stamp duty HK$2,450,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,530
−HK$9,484/mo
▼ 0.25% · 3.875%
HK$180,238
−HK$4,776/mo
Today · 4.125%
HK$185,014
baseline
▲ 0.50% · 4.625%
HK$194,766
+HK$9,752/mo
Deposit HK$23.06M · loan HK$34.60M · min. income ≈ HK$370,028/mo (50% DSR)
Upfront cash ≈ HK$25.52M (deposit + AVD stamp duty HK$2,450,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,078
−HK$11,544/mo
▼ 0.25% · 3.875%
HK$189,804
−HK$5,818/mo
Today · 4.125%
HK$195,622
baseline
▲ 0.50% · 4.625%
HK$207,525
+HK$11,903/mo
Deposit HK$17.30M · loan HK$40.36M · min. income ≈ HK$391,244/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$2,450,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,785
−HK$11,064/mo
▼ 0.25% · 3.875%
HK$210,278
−HK$5,571/mo
Today · 4.125%
HK$215,849
baseline
▲ 0.50% · 4.625%
HK$227,227
+HK$11,378/mo
Deposit HK$17.30M · loan HK$40.36M · min. income ≈ HK$431,698/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$2,450,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,672
−HK$14,842/mo
▼ 0.25% · 3.875%
HK$244,034
−HK$7,480/mo
Today · 4.125%
HK$251,514
baseline
▲ 0.50% · 4.625%
HK$266,818
+HK$15,304/mo
Deposit HK$5.77M · loan HK$51.90M · min. income ≈ HK$503,028/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,450,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,296
−HK$14,225/mo
▼ 0.25% · 3.875%
HK$270,357
−HK$7,164/mo
Today · 4.125%
HK$277,521
baseline
▲ 0.50% · 4.625%
HK$292,149
+HK$14,628/mo
Deposit HK$5.77M · loan HK$51.90M · min. income ≈ HK$555,042/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,450,644 · Scale 2, in force from 26 Feb 2026)