LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,759
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,929
−HK$2,204/mo
Today · 4.125%
HK$74,133
baseline
▲ 0.50% · 4.625%
HK$78,644
+HK$4,511/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,266/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,606
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,687
−HK$2,112/mo
Today · 4.125%
HK$81,799
baseline
▲ 0.50% · 4.625%
HK$86,110
+HK$4,311/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,598/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,711
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,314
−HK$2,646/mo
Today · 4.125%
HK$88,960
baseline
▲ 0.50% · 4.625%
HK$94,373
+HK$5,413/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,920/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,127
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,625
−HK$2,534/mo
Today · 4.125%
HK$98,159
baseline
▲ 0.50% · 4.625%
HK$103,333
+HK$5,174/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,318/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,662
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,700
−HK$3,087/mo
Today · 4.125%
HK$103,787
baseline
▲ 0.50% · 4.625%
HK$110,102
+HK$6,315/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,574/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,648
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,562
−HK$2,956/mo
Today · 4.125%
HK$114,518
baseline
▲ 0.50% · 4.625%
HK$120,555
+HK$6,037/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$229,036/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,566
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$129,472
−HK$3,968/mo
Today · 4.125%
HK$133,440
baseline
▲ 0.50% · 4.625%
HK$141,559
+HK$8,119/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,880/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,691
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$143,437
−HK$3,801/mo
Today · 4.125%
HK$147,238
baseline
▲ 0.50% · 4.625%
HK$154,999
+HK$7,761/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,476/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,182 · Scale 2, in force from 26 Feb 2026)