LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,443
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,603
−HK$2,195/mo
Today · 4.125%
HK$73,798
baseline
▲ 0.50% · 4.625%
HK$78,288
+HK$4,490/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,596/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,255
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,327
−HK$2,102/mo
Today · 4.125%
HK$81,429
baseline
▲ 0.50% · 4.625%
HK$85,721
+HK$4,292/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,858/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,332
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,924
−HK$2,633/mo
Today · 4.125%
HK$88,557
baseline
▲ 0.50% · 4.625%
HK$93,946
+HK$5,389/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,114/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,706
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,192
−HK$2,522/mo
Today · 4.125%
HK$97,714
baseline
▲ 0.50% · 4.625%
HK$102,865
+HK$5,151/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,428/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,220
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,245
−HK$3,072/mo
Today · 4.125%
HK$103,317
baseline
▲ 0.50% · 4.625%
HK$109,604
+HK$6,287/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,634/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,157
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,057
−HK$2,943/mo
Today · 4.125%
HK$114,000
baseline
▲ 0.50% · 4.625%
HK$120,009
+HK$6,009/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$228,000/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,998
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,886
−HK$3,950/mo
Today · 4.125%
HK$132,836
baseline
▲ 0.50% · 4.625%
HK$140,919
+HK$8,083/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,672/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,059
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,788
−HK$3,784/mo
Today · 4.125%
HK$146,572
baseline
▲ 0.50% · 4.625%
HK$154,298
+HK$7,726/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,144/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,300 · Scale 2, in force from 26 Feb 2026)