LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,607
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,772
−HK$2,200/mo
Today · 4.125%
HK$73,972
baseline
▲ 0.50% · 4.625%
HK$78,473
+HK$4,501/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,944/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,437
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,514
−HK$2,107/mo
Today · 4.125%
HK$81,621
baseline
▲ 0.50% · 4.625%
HK$85,923
+HK$4,302/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,242/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,528
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,126
−HK$2,640/mo
Today · 4.125%
HK$88,766
baseline
▲ 0.50% · 4.625%
HK$94,167
+HK$5,401/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,532/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,924
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,416
−HK$2,529/mo
Today · 4.125%
HK$97,945
baseline
▲ 0.50% · 4.625%
HK$103,108
+HK$5,163/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,890/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,450
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,481
−HK$3,080/mo
Today · 4.125%
HK$103,561
baseline
▲ 0.50% · 4.625%
HK$109,862
+HK$6,301/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,122/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,412
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,319
−HK$2,950/mo
Today · 4.125%
HK$114,269
baseline
▲ 0.50% · 4.625%
HK$120,292
+HK$6,023/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,538/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,292
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$129,190
−HK$3,959/mo
Today · 4.125%
HK$133,149
baseline
▲ 0.50% · 4.625%
HK$141,251
+HK$8,102/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$266,298/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,386
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,125
−HK$3,792/mo
Today · 4.125%
HK$146,917
baseline
▲ 0.50% · 4.625%
HK$154,661
+HK$7,744/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$293,834/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,351 · Scale 2, in force from 26 Feb 2026)