LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,294
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,450
−HK$2,190/mo
Today · 4.125%
HK$73,640
baseline
▲ 0.50% · 4.625%
HK$78,120
+HK$4,480/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,280/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,089
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,157
−HK$2,097/mo
Today · 4.125%
HK$81,254
baseline
▲ 0.50% · 4.625%
HK$85,537
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,508/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,153
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,740
−HK$2,628/mo
Today · 4.125%
HK$88,368
baseline
▲ 0.50% · 4.625%
HK$93,744
+HK$5,376/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$176,736/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,507
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,988
−HK$2,517/mo
Today · 4.125%
HK$97,505
baseline
▲ 0.50% · 4.625%
HK$102,644
+HK$5,139/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$195,010/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,012
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,030
−HK$3,065/mo
Today · 4.125%
HK$103,095
baseline
▲ 0.50% · 4.625%
HK$109,369
+HK$6,274/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,190/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,925
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,819
−HK$2,937/mo
Today · 4.125%
HK$113,756
baseline
▲ 0.50% · 4.625%
HK$119,752
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,512/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,730
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,609
−HK$3,942/mo
Today · 4.125%
HK$132,551
baseline
▲ 0.50% · 4.625%
HK$140,617
+HK$8,066/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,102/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,760
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,482
−HK$3,775/mo
Today · 4.125%
HK$146,257
baseline
▲ 0.50% · 4.625%
HK$153,967
+HK$7,710/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,514/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,524 · Scale 2, in force from 26 Feb 2026)