LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,934
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,078
−HK$2,179/mo
Today · 4.125%
HK$73,257
baseline
▲ 0.50% · 4.625%
HK$77,714
+HK$4,457/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,514/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,688
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,745
−HK$2,087/mo
Today · 4.125%
HK$80,832
baseline
▲ 0.50% · 4.625%
HK$85,092
+HK$4,260/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,664/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,721
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,294
−HK$2,614/mo
Today · 4.125%
HK$87,908
baseline
▲ 0.50% · 4.625%
HK$93,257
+HK$5,349/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,816/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,026
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,494
−HK$2,504/mo
Today · 4.125%
HK$96,998
baseline
▲ 0.50% · 4.625%
HK$102,111
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$193,996/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,508
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,510
−HK$3,050/mo
Today · 4.125%
HK$102,560
baseline
▲ 0.50% · 4.625%
HK$108,800
+HK$6,240/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,120/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,364
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,243
−HK$2,921/mo
Today · 4.125%
HK$113,164
baseline
▲ 0.50% · 4.625%
HK$119,129
+HK$5,965/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,328/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,081
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,941
−HK$3,921/mo
Today · 4.125%
HK$131,862
baseline
▲ 0.50% · 4.625%
HK$139,886
+HK$8,024/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,724/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,039
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,741
−HK$3,756/mo
Today · 4.125%
HK$145,497
baseline
▲ 0.50% · 4.625%
HK$153,166
+HK$7,669/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$290,994/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,810 · Scale 2, in force from 26 Feb 2026)