LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,820
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,992
−HK$2,207/mo
Today · 4.125%
HK$74,199
baseline
▲ 0.50% · 4.625%
HK$78,714
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,398/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,675
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,758
−HK$2,113/mo
Today · 4.125%
HK$81,871
baseline
▲ 0.50% · 4.625%
HK$86,187
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,742/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,785
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,391
−HK$2,648/mo
Today · 4.125%
HK$89,039
baseline
▲ 0.50% · 4.625%
HK$94,456
+HK$5,417/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,078/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,209
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,709
−HK$2,536/mo
Today · 4.125%
HK$98,245
baseline
▲ 0.50% · 4.625%
HK$103,424
+HK$5,179/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,490/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,749
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,789
−HK$3,089/mo
Today · 4.125%
HK$103,878
baseline
▲ 0.50% · 4.625%
HK$110,199
+HK$6,321/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$207,756/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,744
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,661
−HK$2,958/mo
Today · 4.125%
HK$114,619
baseline
▲ 0.50% · 4.625%
HK$120,661
+HK$6,042/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$229,238/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,677
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$129,586
−HK$3,972/mo
Today · 4.125%
HK$133,558
baseline
▲ 0.50% · 4.625%
HK$141,685
+HK$8,127/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,116/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,814
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$143,564
−HK$3,804/mo
Today · 4.125%
HK$147,368
baseline
▲ 0.50% · 4.625%
HK$155,136
+HK$7,768/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,736/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,332 · Scale 2, in force from 26 Feb 2026)