LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,558
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,660
−HK$2,135/mo
Today · 4.125%
HK$71,795
baseline
▲ 0.50% · 4.625%
HK$76,163
+HK$4,368/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,590/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,158
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,173
−HK$2,045/mo
Today · 4.125%
HK$79,218
baseline
▲ 0.50% · 4.625%
HK$83,394
+HK$4,176/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,436/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,070
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,591
−HK$2,562/mo
Today · 4.125%
HK$86,153
baseline
▲ 0.50% · 4.625%
HK$91,396
+HK$5,243/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,306/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,189
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,608
−HK$2,454/mo
Today · 4.125%
HK$95,062
baseline
▲ 0.50% · 4.625%
HK$100,073
+HK$5,011/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,124/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,581
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,523
−HK$2,989/mo
Today · 4.125%
HK$100,512
baseline
▲ 0.50% · 4.625%
HK$106,628
+HK$6,116/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,024/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,221
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,043
−HK$2,863/mo
Today · 4.125%
HK$110,906
baseline
▲ 0.50% · 4.625%
HK$116,752
+HK$5,846/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,812/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,605
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$125,387
−HK$3,843/mo
Today · 4.125%
HK$129,230
baseline
▲ 0.50% · 4.625%
HK$137,094
+HK$7,864/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,460/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,284
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,912
−HK$3,681/mo
Today · 4.125%
HK$142,593
baseline
▲ 0.50% · 4.625%
HK$150,109
+HK$7,516/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,186/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,165 · Scale 2, in force from 26 Feb 2026)