LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,528
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,691
−HK$2,197/mo
Today · 4.125%
HK$73,888
baseline
▲ 0.50% · 4.625%
HK$78,384
+HK$4,496/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,776/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,349
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,424
−HK$2,104/mo
Today · 4.125%
HK$81,528
baseline
▲ 0.50% · 4.625%
HK$85,826
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,056/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,434
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,029
−HK$2,637/mo
Today · 4.125%
HK$88,666
baseline
▲ 0.50% · 4.625%
HK$94,061
+HK$5,395/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$177,332/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,819
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,309
−HK$2,525/mo
Today · 4.125%
HK$97,834
baseline
▲ 0.50% · 4.625%
HK$102,991
+HK$5,157/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$195,668/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,340
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,367
−HK$3,077/mo
Today · 4.125%
HK$103,444
baseline
▲ 0.50% · 4.625%
HK$109,738
+HK$6,294/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,888/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,289
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,194
−HK$2,946/mo
Today · 4.125%
HK$114,140
baseline
▲ 0.50% · 4.625%
HK$120,156
+HK$6,016/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,280/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,151
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,044
−HK$3,955/mo
Today · 4.125%
HK$132,999
baseline
▲ 0.50% · 4.625%
HK$141,092
+HK$8,093/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,998/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,295,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,229
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,963
−HK$3,788/mo
Today · 4.125%
HK$146,751
baseline
▲ 0.50% · 4.625%
HK$154,487
+HK$7,736/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,502/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,295,886 · Scale 2, in force from 26 Feb 2026)