LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,908
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,051
−HK$2,178/mo
Today · 4.125%
HK$73,229
baseline
▲ 0.50% · 4.625%
HK$77,685
+HK$4,456/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,458/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,659
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,715
−HK$2,086/mo
Today · 4.125%
HK$80,801
baseline
▲ 0.50% · 4.625%
HK$85,060
+HK$4,259/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,602/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,689
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,261
−HK$2,614/mo
Today · 4.125%
HK$87,875
baseline
▲ 0.50% · 4.625%
HK$93,222
+HK$5,347/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,750/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,991
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,458
−HK$2,503/mo
Today · 4.125%
HK$96,961
baseline
▲ 0.50% · 4.625%
HK$102,072
+HK$5,111/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,922/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,471
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,472
−HK$3,049/mo
Today · 4.125%
HK$102,521
baseline
▲ 0.50% · 4.625%
HK$108,759
+HK$6,238/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$205,042/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,323
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,201
−HK$2,920/mo
Today · 4.125%
HK$113,121
baseline
▲ 0.50% · 4.625%
HK$119,084
+HK$5,963/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$226,242/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,034
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$127,892
−HK$3,920/mo
Today · 4.125%
HK$131,812
baseline
▲ 0.50% · 4.625%
HK$139,833
+HK$8,021/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,624/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,987
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,687
−HK$3,755/mo
Today · 4.125%
HK$145,442
baseline
▲ 0.50% · 4.625%
HK$153,108
+HK$7,666/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,884/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,322 · Scale 2, in force from 26 Feb 2026)