LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,434
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,594
−HK$2,194/mo
Today · 4.125%
HK$73,788
baseline
▲ 0.50% · 4.625%
HK$78,278
+HK$4,490/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,576/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,244
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,316
−HK$2,102/mo
Today · 4.125%
HK$81,418
baseline
▲ 0.50% · 4.625%
HK$85,709
+HK$4,291/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,836/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,321
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,912
−HK$2,634/mo
Today · 4.125%
HK$88,546
baseline
▲ 0.50% · 4.625%
HK$93,933
+HK$5,387/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,092/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,294,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,693
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,179
−HK$2,522/mo
Today · 4.125%
HK$97,701
baseline
▲ 0.50% · 4.625%
HK$102,851
+HK$5,150/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,402/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,294,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,207
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,231
−HK$3,072/mo
Today · 4.125%
HK$103,303
baseline
▲ 0.50% · 4.625%
HK$109,589
+HK$6,286/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,606/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,142
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,043
−HK$2,942/mo
Today · 4.125%
HK$113,985
baseline
▲ 0.50% · 4.625%
HK$119,993
+HK$6,008/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$227,970/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,981
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$128,869
−HK$3,949/mo
Today · 4.125%
HK$132,818
baseline
▲ 0.50% · 4.625%
HK$140,900
+HK$8,082/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,636/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,040
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$142,769
−HK$3,783/mo
Today · 4.125%
HK$146,552
baseline
▲ 0.50% · 4.625%
HK$154,277
+HK$7,725/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,104/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,126 · Scale 2, in force from 26 Feb 2026)