LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,467
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,628
−HK$2,195/mo
Today · 4.125%
HK$73,823
baseline
▲ 0.50% · 4.625%
HK$78,315
+HK$4,492/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,646/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,281
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,354
−HK$2,102/mo
Today · 4.125%
HK$81,456
baseline
▲ 0.50% · 4.625%
HK$85,750
+HK$4,294/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,912/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,360
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,953
−HK$2,635/mo
Today · 4.125%
HK$88,588
baseline
▲ 0.50% · 4.625%
HK$93,978
+HK$5,390/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,176/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,737
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,225
−HK$2,523/mo
Today · 4.125%
HK$97,748
baseline
▲ 0.50% · 4.625%
HK$102,900
+HK$5,152/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,496/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,254
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,279
−HK$3,073/mo
Today · 4.125%
HK$103,352
baseline
▲ 0.50% · 4.625%
HK$109,641
+HK$6,289/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,704/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,194
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,095
−HK$2,944/mo
Today · 4.125%
HK$114,039
baseline
▲ 0.50% · 4.625%
HK$120,050
+HK$6,011/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,078/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,040
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$128,930
−HK$3,951/mo
Today · 4.125%
HK$132,881
baseline
▲ 0.50% · 4.625%
HK$140,967
+HK$8,086/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$265,762/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,106
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$142,837
−HK$3,785/mo
Today · 4.125%
HK$146,622
baseline
▲ 0.50% · 4.625%
HK$154,350
+HK$7,728/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$293,244/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,741 · Scale 2, in force from 26 Feb 2026)