LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,452
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,581
−HK$2,163/mo
Today · 4.125%
HK$72,744
baseline
▲ 0.50% · 4.625%
HK$77,171
+HK$4,427/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,488/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,275,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,152
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,194
−HK$2,072/mo
Today · 4.125%
HK$80,266
baseline
▲ 0.50% · 4.625%
HK$84,497
+HK$4,231/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,532/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,275,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,142
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,697
−HK$2,596/mo
Today · 4.125%
HK$87,293
baseline
▲ 0.50% · 4.625%
HK$92,605
+HK$5,312/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$174,586/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,382
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,833
−HK$2,487/mo
Today · 4.125%
HK$96,320
baseline
▲ 0.50% · 4.625%
HK$101,397
+HK$5,077/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$192,640/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,833
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,814
−HK$3,028/mo
Today · 4.125%
HK$101,842
baseline
▲ 0.50% · 4.625%
HK$108,039
+HK$6,197/mo
Deposit HK$9.01M · loan HK$21.01M · min. income ≈ HK$203,684/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,613
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,472
−HK$2,901/mo
Today · 4.125%
HK$112,373
baseline
▲ 0.50% · 4.625%
HK$118,296
+HK$5,923/mo
Deposit HK$9.01M · loan HK$21.01M · min. income ≈ HK$224,746/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,213
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$127,046
−HK$3,894/mo
Today · 4.125%
HK$130,940
baseline
▲ 0.50% · 4.625%
HK$138,907
+HK$7,967/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$261,880/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,074
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$140,750
−HK$3,729/mo
Today · 4.125%
HK$144,479
baseline
▲ 0.50% · 4.625%
HK$152,095
+HK$7,616/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$288,958/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,824 · Scale 2, in force from 26 Feb 2026)