LTV · monthly repayment
▼ 0.50% · 3.625%
HK$145,987
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$150,528
−HK$4,613/mo
Today · 4.125%
HK$155,141
baseline
▲ 0.50% · 4.625%
HK$164,581
+HK$9,440/mo
Deposit HK$32.01M · loan HK$32.01M · min. income ≈ HK$310,282/mo (50% DSR)
Upfront cash ≈ HK$34.73M (deposit + AVD stamp duty HK$2,720,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,409
−HK$8,774/mo
▼ 0.25% · 3.875%
HK$166,764
−HK$4,419/mo
Today · 4.125%
HK$171,183
baseline
▲ 0.50% · 4.625%
HK$180,206
+HK$9,023/mo
Deposit HK$32.01M · loan HK$32.01M · min. income ≈ HK$342,366/mo (50% DSR)
Upfront cash ≈ HK$34.73M (deposit + AVD stamp duty HK$2,720,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,184
−HK$10,985/mo
▼ 0.25% · 3.875%
HK$180,633
−HK$5,536/mo
Today · 4.125%
HK$186,169
baseline
▲ 0.50% · 4.625%
HK$197,497
+HK$11,328/mo
Deposit HK$25.61M · loan HK$38.41M · min. income ≈ HK$372,338/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,720,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,890
−HK$10,530/mo
▼ 0.25% · 3.875%
HK$200,117
−HK$5,303/mo
Today · 4.125%
HK$205,420
baseline
▲ 0.50% · 4.625%
HK$216,248
+HK$10,828/mo
Deposit HK$25.61M · loan HK$38.41M · min. income ≈ HK$410,840/mo (50% DSR)
Upfront cash ≈ HK$28.33M (deposit + AVD stamp duty HK$2,720,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,381
−HK$12,817/mo
▼ 0.25% · 3.875%
HK$210,739
−HK$6,459/mo
Today · 4.125%
HK$217,198
baseline
▲ 0.50% · 4.625%
HK$230,414
+HK$13,216/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$434,396/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,720,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,372
−HK$12,284/mo
▼ 0.25% · 3.875%
HK$233,470
−HK$6,186/mo
Today · 4.125%
HK$239,656
baseline
▲ 0.50% · 4.625%
HK$252,289
+HK$12,633/mo
Deposit HK$19.21M · loan HK$44.82M · min. income ≈ HK$479,312/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,720,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,776
−HK$16,478/mo
▼ 0.25% · 3.875%
HK$270,950
−HK$8,304/mo
Today · 4.125%
HK$279,254
baseline
▲ 0.50% · 4.625%
HK$296,246
+HK$16,992/mo
Deposit HK$6.40M · loan HK$57.62M · min. income ≈ HK$558,508/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,720,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$292,336
−HK$15,793/mo
▼ 0.25% · 3.875%
HK$300,176
−HK$7,953/mo
Today · 4.125%
HK$308,129
baseline
▲ 0.50% · 4.625%
HK$324,371
+HK$16,242/mo
Deposit HK$6.40M · loan HK$57.62M · min. income ≈ HK$616,258/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$2,720,936 · Scale 2, in force from 26 Feb 2026)