LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,268
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,423
−HK$2,189/mo
Today · 4.125%
HK$73,612
baseline
▲ 0.50% · 4.625%
HK$78,091
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,224/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,060
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,127
−HK$2,096/mo
Today · 4.125%
HK$81,223
baseline
▲ 0.50% · 4.625%
HK$85,505
+HK$4,282/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,446/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,122
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,707
−HK$2,627/mo
Today · 4.125%
HK$88,334
baseline
▲ 0.50% · 4.625%
HK$93,709
+HK$5,375/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,668/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,472
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,952
−HK$2,516/mo
Today · 4.125%
HK$97,468
baseline
▲ 0.50% · 4.625%
HK$102,606
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,936/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,975
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$99,992
−HK$3,065/mo
Today · 4.125%
HK$103,057
baseline
▲ 0.50% · 4.625%
HK$109,327
+HK$6,270/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,114/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,884
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,777
−HK$2,936/mo
Today · 4.125%
HK$113,713
baseline
▲ 0.50% · 4.625%
HK$119,707
+HK$5,994/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,426/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,683
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,561
−HK$3,940/mo
Today · 4.125%
HK$132,501
baseline
▲ 0.50% · 4.625%
HK$140,564
+HK$8,063/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$265,002/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,708
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,428
−HK$3,774/mo
Today · 4.125%
HK$146,202
baseline
▲ 0.50% · 4.625%
HK$153,909
+HK$7,707/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,404/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,037 · Scale 2, in force from 26 Feb 2026)