LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,815
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,987
−HK$2,206/mo
Today · 4.125%
HK$74,193
baseline
▲ 0.50% · 4.625%
HK$78,708
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,386/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,669
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,752
−HK$2,113/mo
Today · 4.125%
HK$81,865
baseline
▲ 0.50% · 4.625%
HK$86,180
+HK$4,315/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,730/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,778
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,384
−HK$2,648/mo
Today · 4.125%
HK$89,032
baseline
▲ 0.50% · 4.625%
HK$94,449
+HK$5,417/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,064/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,203
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,702
−HK$2,536/mo
Today · 4.125%
HK$98,238
baseline
▲ 0.50% · 4.625%
HK$103,416
+HK$5,178/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,476/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,741
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,782
−HK$3,089/mo
Today · 4.125%
HK$103,871
baseline
▲ 0.50% · 4.625%
HK$110,191
+HK$6,320/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$207,742/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,736
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,653
−HK$2,958/mo
Today · 4.125%
HK$114,611
baseline
▲ 0.50% · 4.625%
HK$120,652
+HK$6,041/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$229,222/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,668
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,577
−HK$3,971/mo
Today · 4.125%
HK$133,548
baseline
▲ 0.50% · 4.625%
HK$141,674
+HK$8,126/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,096/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,804
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,553
−HK$3,804/mo
Today · 4.125%
HK$147,357
baseline
▲ 0.50% · 4.625%
HK$155,125
+HK$7,768/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,714/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,237 · Scale 2, in force from 26 Feb 2026)