LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,936
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,080
−HK$2,179/mo
Today · 4.125%
HK$73,259
baseline
▲ 0.50% · 4.625%
HK$77,717
+HK$4,458/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,518/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,691
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,748
−HK$2,086/mo
Today · 4.125%
HK$80,834
baseline
▲ 0.50% · 4.625%
HK$85,095
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,668/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,723
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,296
−HK$2,615/mo
Today · 4.125%
HK$87,911
baseline
▲ 0.50% · 4.625%
HK$93,260
+HK$5,349/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,822/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,029
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,497
−HK$2,504/mo
Today · 4.125%
HK$97,001
baseline
▲ 0.50% · 4.625%
HK$102,114
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$194,002/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,511
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,513
−HK$3,050/mo
Today · 4.125%
HK$102,563
baseline
▲ 0.50% · 4.625%
HK$108,803
+HK$6,240/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,126/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,367
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,247
−HK$2,921/mo
Today · 4.125%
HK$113,168
baseline
▲ 0.50% · 4.625%
HK$119,133
+HK$5,965/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,336/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,085
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,945
−HK$3,921/mo
Today · 4.125%
HK$131,866
baseline
▲ 0.50% · 4.625%
HK$139,890
+HK$8,024/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,732/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,043
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,746
−HK$3,755/mo
Today · 4.125%
HK$145,501
baseline
▲ 0.50% · 4.625%
HK$153,171
+HK$7,670/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,002/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,849 · Scale 2, in force from 26 Feb 2026)