LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,559
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,692
−HK$2,166/mo
Today · 4.125%
HK$72,858
baseline
▲ 0.50% · 4.625%
HK$77,292
+HK$4,434/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,716/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,271
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,317
−HK$2,075/mo
Today · 4.125%
HK$80,392
baseline
▲ 0.50% · 4.625%
HK$84,630
+HK$4,238/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,784/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,271
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,830
−HK$2,600/mo
Today · 4.125%
HK$87,430
baseline
▲ 0.50% · 4.625%
HK$92,750
+HK$5,320/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,860/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,526
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,980
−HK$2,490/mo
Today · 4.125%
HK$96,470
baseline
▲ 0.50% · 4.625%
HK$101,556
+HK$5,086/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,940/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,983
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,968
−HK$3,034/mo
Today · 4.125%
HK$102,002
baseline
▲ 0.50% · 4.625%
HK$108,208
+HK$6,206/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,004/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,780
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,644
−HK$2,905/mo
Today · 4.125%
HK$112,549
baseline
▲ 0.50% · 4.625%
HK$118,481
+HK$5,932/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,098/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,406
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,245
−HK$3,900/mo
Today · 4.125%
HK$131,145
baseline
▲ 0.50% · 4.625%
HK$139,125
+HK$7,980/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,290/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,288
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,970
−HK$3,736/mo
Today · 4.125%
HK$144,706
baseline
▲ 0.50% · 4.625%
HK$152,333
+HK$7,627/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,412/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,823 · Scale 2, in force from 26 Feb 2026)