LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,543
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,707
−HK$2,197/mo
Today · 4.125%
HK$73,904
baseline
▲ 0.50% · 4.625%
HK$78,401
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,808/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,366
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,441
−HK$2,105/mo
Today · 4.125%
HK$81,546
baseline
▲ 0.50% · 4.625%
HK$85,845
+HK$4,299/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,092/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,452
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,048
−HK$2,637/mo
Today · 4.125%
HK$88,685
baseline
▲ 0.50% · 4.625%
HK$94,082
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,370/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,840
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,330
−HK$2,525/mo
Today · 4.125%
HK$97,855
baseline
▲ 0.50% · 4.625%
HK$103,014
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,710/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,361
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,389
−HK$3,077/mo
Today · 4.125%
HK$103,466
baseline
▲ 0.50% · 4.625%
HK$109,762
+HK$6,296/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,932/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,313
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,218
−HK$2,947/mo
Today · 4.125%
HK$114,165
baseline
▲ 0.50% · 4.625%
HK$120,182
+HK$6,017/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,330/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,178
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,072
−HK$3,956/mo
Today · 4.125%
HK$133,028
baseline
▲ 0.50% · 4.625%
HK$141,122
+HK$8,094/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,056/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,259
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$142,994
−HK$3,789/mo
Today · 4.125%
HK$146,783
baseline
▲ 0.50% · 4.625%
HK$154,520
+HK$7,737/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,566/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,168 · Scale 2, in force from 26 Feb 2026)