LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,279
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,434
−HK$2,189/mo
Today · 4.125%
HK$73,623
baseline
▲ 0.50% · 4.625%
HK$78,103
+HK$4,480/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,246/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,072
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,139
−HK$2,097/mo
Today · 4.125%
HK$81,236
baseline
▲ 0.50% · 4.625%
HK$85,518
+HK$4,282/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,472/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,134
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,720
−HK$2,628/mo
Today · 4.125%
HK$88,348
baseline
▲ 0.50% · 4.625%
HK$93,723
+HK$5,375/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,696/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,486
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,967
−HK$2,516/mo
Today · 4.125%
HK$97,483
baseline
▲ 0.50% · 4.625%
HK$102,621
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,966/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,990
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,007
−HK$3,065/mo
Today · 4.125%
HK$103,072
baseline
▲ 0.50% · 4.625%
HK$109,344
+HK$6,272/mo
Deposit HK$9.11M · loan HK$21.27M · min. income ≈ HK$206,144/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,901
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,794
−HK$2,936/mo
Today · 4.125%
HK$113,730
baseline
▲ 0.50% · 4.625%
HK$119,725
+HK$5,995/mo
Deposit HK$9.11M · loan HK$21.27M · min. income ≈ HK$227,460/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,702
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,581
−HK$3,941/mo
Today · 4.125%
HK$132,522
baseline
▲ 0.50% · 4.625%
HK$140,585
+HK$8,063/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$265,044/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,729
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,450
−HK$3,774/mo
Today · 4.125%
HK$146,224
baseline
▲ 0.50% · 4.625%
HK$153,932
+HK$7,708/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,448/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,235 · Scale 2, in force from 26 Feb 2026)