LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,694
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,831
−HK$2,171/mo
Today · 4.125%
HK$73,002
baseline
▲ 0.50% · 4.625%
HK$77,444
+HK$4,442/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$146,004/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,421
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,471
−HK$2,079/mo
Today · 4.125%
HK$80,550
baseline
▲ 0.50% · 4.625%
HK$84,796
+HK$4,246/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,100/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,433
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,997
−HK$2,605/mo
Today · 4.125%
HK$87,602
baseline
▲ 0.50% · 4.625%
HK$92,933
+HK$5,331/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,204/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,706
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,165
−HK$2,495/mo
Today · 4.125%
HK$96,660
baseline
▲ 0.50% · 4.625%
HK$101,755
+HK$5,095/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,320/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,172
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,163
−HK$3,040/mo
Today · 4.125%
HK$102,203
baseline
▲ 0.50% · 4.625%
HK$108,421
+HK$6,218/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,406/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,990
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,859
−HK$2,911/mo
Today · 4.125%
HK$112,770
baseline
▲ 0.50% · 4.625%
HK$118,715
+HK$5,945/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,540/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,649
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$127,496
−HK$3,907/mo
Today · 4.125%
HK$131,403
baseline
▲ 0.50% · 4.625%
HK$139,399
+HK$7,996/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,806/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,559
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,248
−HK$3,743/mo
Today · 4.125%
HK$144,991
baseline
▲ 0.50% · 4.625%
HK$152,633
+HK$7,642/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,982/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,338 · Scale 2, in force from 26 Feb 2026)