LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,525
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,687
−HK$2,198/mo
Today · 4.125%
HK$73,885
baseline
▲ 0.50% · 4.625%
HK$78,380
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,770/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,346
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,420
−HK$2,104/mo
Today · 4.125%
HK$81,524
baseline
▲ 0.50% · 4.625%
HK$85,822
+HK$4,298/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,048/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,430
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,025
−HK$2,636/mo
Today · 4.125%
HK$88,661
baseline
▲ 0.50% · 4.625%
HK$94,056
+HK$5,395/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$177,322/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,815
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,304
−HK$2,525/mo
Today · 4.125%
HK$97,829
baseline
▲ 0.50% · 4.625%
HK$102,986
+HK$5,157/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$195,658/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,335
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,362
−HK$3,076/mo
Today · 4.125%
HK$103,438
baseline
▲ 0.50% · 4.625%
HK$109,732
+HK$6,294/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,876/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,284
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,188
−HK$2,946/mo
Today · 4.125%
HK$114,134
baseline
▲ 0.50% · 4.625%
HK$120,150
+HK$6,016/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,268/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,145
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,037
−HK$3,955/mo
Today · 4.125%
HK$132,992
baseline
▲ 0.50% · 4.625%
HK$141,084
+HK$8,092/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,984/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,222
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,956
−HK$3,788/mo
Today · 4.125%
HK$146,744
baseline
▲ 0.50% · 4.625%
HK$154,479
+HK$7,735/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,488/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,820 · Scale 2, in force from 26 Feb 2026)