LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,921
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,065
−HK$2,178/mo
Today · 4.125%
HK$73,243
baseline
▲ 0.50% · 4.625%
HK$77,700
+HK$4,457/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,486/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,674
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,731
−HK$2,086/mo
Today · 4.125%
HK$80,817
baseline
▲ 0.50% · 4.625%
HK$85,077
+HK$4,260/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,634/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,706
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,278
−HK$2,614/mo
Today · 4.125%
HK$87,892
baseline
▲ 0.50% · 4.625%
HK$93,240
+HK$5,348/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,784/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,009
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,477
−HK$2,503/mo
Today · 4.125%
HK$96,980
baseline
▲ 0.50% · 4.625%
HK$102,092
+HK$5,112/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$193,960/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,490
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,491
−HK$3,050/mo
Today · 4.125%
HK$102,541
baseline
▲ 0.50% · 4.625%
HK$108,780
+HK$6,239/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,082/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,344
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,223
−HK$2,920/mo
Today · 4.125%
HK$113,143
baseline
▲ 0.50% · 4.625%
HK$119,107
+HK$5,964/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,286/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,058
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$127,917
−HK$3,921/mo
Today · 4.125%
HK$131,838
baseline
▲ 0.50% · 4.625%
HK$139,860
+HK$8,022/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,676/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,014
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$141,715
−HK$3,755/mo
Today · 4.125%
HK$145,470
baseline
▲ 0.50% · 4.625%
HK$153,138
+HK$7,668/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,940/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,574 · Scale 2, in force from 26 Feb 2026)