LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,821
−HK$9,144/mo
▼ 0.25% · 3.875%
HK$150,357
−HK$4,608/mo
Today · 4.125%
HK$154,965
baseline
▲ 0.50% · 4.625%
HK$164,395
+HK$9,430/mo
Deposit HK$31.97M · loan HK$31.97M · min. income ≈ HK$309,930/mo (50% DSR)
Upfront cash ≈ HK$34.69M (deposit + AVD stamp duty HK$2,717,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,225
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$166,575
−HK$4,414/mo
Today · 4.125%
HK$170,989
baseline
▲ 0.50% · 4.625%
HK$180,002
+HK$9,013/mo
Deposit HK$31.97M · loan HK$31.97M · min. income ≈ HK$341,978/mo (50% DSR)
Upfront cash ≈ HK$34.69M (deposit + AVD stamp duty HK$2,717,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,985
−HK$10,973/mo
▼ 0.25% · 3.875%
HK$180,428
−HK$5,530/mo
Today · 4.125%
HK$185,958
baseline
▲ 0.50% · 4.625%
HK$197,274
+HK$11,316/mo
Deposit HK$25.58M · loan HK$38.37M · min. income ≈ HK$371,916/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$2,717,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,669
−HK$10,518/mo
▼ 0.25% · 3.875%
HK$199,890
−HK$5,297/mo
Today · 4.125%
HK$205,187
baseline
▲ 0.50% · 4.625%
HK$216,002
+HK$10,815/mo
Deposit HK$25.58M · loan HK$38.37M · min. income ≈ HK$410,374/mo (50% DSR)
Upfront cash ≈ HK$28.30M (deposit + AVD stamp duty HK$2,717,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,150
−HK$12,802/mo
▼ 0.25% · 3.875%
HK$210,500
−HK$6,452/mo
Today · 4.125%
HK$216,952
baseline
▲ 0.50% · 4.625%
HK$230,153
+HK$13,201/mo
Deposit HK$19.18M · loan HK$44.76M · min. income ≈ HK$433,904/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,717,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,114
−HK$12,271/mo
▼ 0.25% · 3.875%
HK$233,205
−HK$6,180/mo
Today · 4.125%
HK$239,385
baseline
▲ 0.50% · 4.625%
HK$252,003
+HK$12,618/mo
Deposit HK$19.18M · loan HK$44.76M · min. income ≈ HK$478,770/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$2,717,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,478
−HK$16,460/mo
▼ 0.25% · 3.875%
HK$270,643
−HK$8,295/mo
Today · 4.125%
HK$278,938
baseline
▲ 0.50% · 4.625%
HK$295,910
+HK$16,972/mo
Deposit HK$6.39M · loan HK$57.55M · min. income ≈ HK$557,876/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,717,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,004
−HK$15,776/mo
▼ 0.25% · 3.875%
HK$299,836
−HK$7,944/mo
Today · 4.125%
HK$307,780
baseline
▲ 0.50% · 4.625%
HK$324,004
+HK$16,224/mo
Deposit HK$6.39M · loan HK$57.55M · min. income ≈ HK$615,560/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$2,717,852 · Scale 2, in force from 26 Feb 2026)