LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,230
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,383
−HK$2,188/mo
Today · 4.125%
HK$73,571
baseline
▲ 0.50% · 4.625%
HK$78,048
+HK$4,477/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,142/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,017
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,083
−HK$2,095/mo
Today · 4.125%
HK$81,178
baseline
▲ 0.50% · 4.625%
HK$85,457
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,356/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,076
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,660
−HK$2,625/mo
Today · 4.125%
HK$88,285
baseline
▲ 0.50% · 4.625%
HK$93,657
+HK$5,372/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$176,570/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,421
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,900
−HK$2,514/mo
Today · 4.125%
HK$97,414
baseline
▲ 0.50% · 4.625%
HK$102,549
+HK$5,135/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$194,828/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,922
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,937
−HK$3,063/mo
Today · 4.125%
HK$103,000
baseline
▲ 0.50% · 4.625%
HK$109,267
+HK$6,267/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$206,000/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,824
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,716
−HK$2,934/mo
Today · 4.125%
HK$113,650
baseline
▲ 0.50% · 4.625%
HK$119,640
+HK$5,990/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,300/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,614
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$128,490
−HK$3,938/mo
Today · 4.125%
HK$132,428
baseline
▲ 0.50% · 4.625%
HK$140,486
+HK$8,058/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,856/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,631
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,349
−HK$3,772/mo
Today · 4.125%
HK$146,121
baseline
▲ 0.50% · 4.625%
HK$153,823
+HK$7,702/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,242/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,323 · Scale 2, in force from 26 Feb 2026)