LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,666
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,833
−HK$2,201/mo
Today · 4.125%
HK$74,034
baseline
▲ 0.50% · 4.625%
HK$78,539
+HK$4,505/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,068/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,502
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,581
−HK$2,109/mo
Today · 4.125%
HK$81,690
baseline
▲ 0.50% · 4.625%
HK$85,995
+HK$4,305/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,380/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,599
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,199
−HK$2,642/mo
Today · 4.125%
HK$88,841
baseline
▲ 0.50% · 4.625%
HK$94,247
+HK$5,406/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,682/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,003
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,497
−HK$2,530/mo
Today · 4.125%
HK$98,027
baseline
▲ 0.50% · 4.625%
HK$103,195
+HK$5,168/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,054/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,532
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,566
−HK$3,082/mo
Today · 4.125%
HK$103,648
baseline
▲ 0.50% · 4.625%
HK$109,955
+HK$6,307/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,296/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,503
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,413
−HK$2,952/mo
Today · 4.125%
HK$114,365
baseline
▲ 0.50% · 4.625%
HK$120,394
+HK$6,029/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,730/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,398
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$129,299
−HK$3,963/mo
Today · 4.125%
HK$133,262
baseline
▲ 0.50% · 4.625%
HK$141,370
+HK$8,108/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$266,524/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,504
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$143,246
−HK$3,795/mo
Today · 4.125%
HK$147,041
baseline
▲ 0.50% · 4.625%
HK$154,792
+HK$7,751/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$294,082/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,446 · Scale 2, in force from 26 Feb 2026)