LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,598
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,763
−HK$2,199/mo
Today · 4.125%
HK$73,962
baseline
▲ 0.50% · 4.625%
HK$78,463
+HK$4,501/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,924/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,427
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,504
−HK$2,106/mo
Today · 4.125%
HK$81,610
baseline
▲ 0.50% · 4.625%
HK$85,912
+HK$4,302/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,220/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,518
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,115
−HK$2,640/mo
Today · 4.125%
HK$88,755
baseline
▲ 0.50% · 4.625%
HK$94,155
+HK$5,400/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$177,510/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,912
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,404
−HK$2,528/mo
Today · 4.125%
HK$97,932
baseline
▲ 0.50% · 4.625%
HK$103,094
+HK$5,162/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$195,864/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,437
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,468
−HK$3,079/mo
Today · 4.125%
HK$103,547
baseline
▲ 0.50% · 4.625%
HK$109,848
+HK$6,301/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,094/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,398
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,305
−HK$2,949/mo
Today · 4.125%
HK$114,254
baseline
▲ 0.50% · 4.625%
HK$120,277
+HK$6,023/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,508/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,276
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$129,173
−HK$3,959/mo
Today · 4.125%
HK$133,132
baseline
▲ 0.50% · 4.625%
HK$141,233
+HK$8,101/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$266,264/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,369
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$143,107
−HK$3,791/mo
Today · 4.125%
HK$146,898
baseline
▲ 0.50% · 4.625%
HK$154,642
+HK$7,744/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$293,796/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,186 · Scale 2, in force from 26 Feb 2026)