LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,321
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,478
−HK$2,190/mo
Today · 4.125%
HK$73,668
baseline
▲ 0.50% · 4.625%
HK$78,151
+HK$4,483/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,336/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,119
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,188
−HK$2,098/mo
Today · 4.125%
HK$81,286
baseline
▲ 0.50% · 4.625%
HK$85,571
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,572/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,186
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,773
−HK$2,629/mo
Today · 4.125%
HK$88,402
baseline
▲ 0.50% · 4.625%
HK$93,781
+HK$5,379/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,804/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,543
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,025
−HK$2,518/mo
Today · 4.125%
HK$97,543
baseline
▲ 0.50% · 4.625%
HK$102,685
+HK$5,142/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,086/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,050
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,069
−HK$3,067/mo
Today · 4.125%
HK$103,136
baseline
▲ 0.50% · 4.625%
HK$109,411
+HK$6,275/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,272/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,967
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,863
−HK$2,937/mo
Today · 4.125%
HK$113,800
baseline
▲ 0.50% · 4.625%
HK$119,799
+HK$5,999/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,600/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,779
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,660
−HK$3,943/mo
Today · 4.125%
HK$132,603
baseline
▲ 0.50% · 4.625%
HK$140,672
+HK$8,069/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,206/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,815
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$142,538
−HK$3,777/mo
Today · 4.125%
HK$146,315
baseline
▲ 0.50% · 4.625%
HK$154,027
+HK$7,712/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,630/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,031 · Scale 2, in force from 26 Feb 2026)