LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,999
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,145
−HK$2,180/mo
Today · 4.125%
HK$73,325
baseline
▲ 0.50% · 4.625%
HK$77,787
+HK$4,462/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,650/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,760
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,819
−HK$2,088/mo
Today · 4.125%
HK$80,907
baseline
▲ 0.50% · 4.625%
HK$85,172
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,814/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,798
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,374
−HK$2,616/mo
Today · 4.125%
HK$87,990
baseline
▲ 0.50% · 4.625%
HK$93,344
+HK$5,354/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$175,980/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,112
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,583
−HK$2,506/mo
Today · 4.125%
HK$97,089
baseline
▲ 0.50% · 4.625%
HK$102,206
+HK$5,117/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$194,178/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,598
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,603
−HK$3,053/mo
Today · 4.125%
HK$102,656
baseline
▲ 0.50% · 4.625%
HK$108,902
+HK$6,246/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,312/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,464
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,346
−HK$2,924/mo
Today · 4.125%
HK$113,270
baseline
▲ 0.50% · 4.625%
HK$119,241
+HK$5,971/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,540/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,197
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,061
−HK$3,925/mo
Today · 4.125%
HK$131,986
baseline
▲ 0.50% · 4.625%
HK$140,017
+HK$8,031/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,972/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,168
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,874
−HK$3,759/mo
Today · 4.125%
HK$145,633
baseline
▲ 0.50% · 4.625%
HK$153,310
+HK$7,677/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,266/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,013 · Scale 2, in force from 26 Feb 2026)