LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,619
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,754
−HK$2,168/mo
Today · 4.125%
HK$72,922
baseline
▲ 0.50% · 4.625%
HK$77,360
+HK$4,438/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,844/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,278,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,338
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,386
−HK$2,077/mo
Today · 4.125%
HK$80,463
baseline
▲ 0.50% · 4.625%
HK$84,704
+HK$4,241/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,926/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,278,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,343
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,905
−HK$2,602/mo
Today · 4.125%
HK$87,507
baseline
▲ 0.50% · 4.625%
HK$92,832
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,014/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,606
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,063
−HK$2,492/mo
Today · 4.125%
HK$96,555
baseline
▲ 0.50% · 4.625%
HK$101,645
+HK$5,090/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,110/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,067
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,055
−HK$3,036/mo
Today · 4.125%
HK$102,091
baseline
▲ 0.50% · 4.625%
HK$108,303
+HK$6,212/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,182/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,874
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,740
−HK$2,908/mo
Today · 4.125%
HK$112,648
baseline
▲ 0.50% · 4.625%
HK$118,586
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,296/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,515
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$127,357
−HK$3,903/mo
Today · 4.125%
HK$131,260
baseline
▲ 0.50% · 4.625%
HK$139,247
+HK$7,987/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,520/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,409
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$141,094
−HK$3,739/mo
Today · 4.125%
HK$144,833
baseline
▲ 0.50% · 4.625%
HK$152,467
+HK$7,634/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,666/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,947 · Scale 2, in force from 26 Feb 2026)