LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,301
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,457
−HK$2,190/mo
Today · 4.125%
HK$73,647
baseline
▲ 0.50% · 4.625%
HK$78,128
+HK$4,481/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,294/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,097
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,165
−HK$2,097/mo
Today · 4.125%
HK$81,262
baseline
▲ 0.50% · 4.625%
HK$85,546
+HK$4,284/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,524/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,162
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,748
−HK$2,628/mo
Today · 4.125%
HK$88,376
baseline
▲ 0.50% · 4.625%
HK$93,754
+HK$5,378/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,752/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,516
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$94,998
−HK$2,517/mo
Today · 4.125%
HK$97,515
baseline
▲ 0.50% · 4.625%
HK$102,655
+HK$5,140/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,030/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,022
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,040
−HK$3,066/mo
Today · 4.125%
HK$103,106
baseline
▲ 0.50% · 4.625%
HK$109,380
+HK$6,274/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,212/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,936
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,831
−HK$2,936/mo
Today · 4.125%
HK$113,767
baseline
▲ 0.50% · 4.625%
HK$119,764
+HK$5,997/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,534/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,742
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,622
−HK$3,943/mo
Today · 4.125%
HK$132,565
baseline
▲ 0.50% · 4.625%
HK$140,631
+HK$8,066/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,130/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,775
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,496
−HK$3,776/mo
Today · 4.125%
HK$146,272
baseline
▲ 0.50% · 4.625%
HK$153,982
+HK$7,710/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,544/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,655 · Scale 2, in force from 26 Feb 2026)