LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,832
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,005
−HK$2,207/mo
Today · 4.125%
HK$74,212
baseline
▲ 0.50% · 4.625%
HK$78,727
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,424/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,688
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,771
−HK$2,114/mo
Today · 4.125%
HK$81,885
baseline
▲ 0.50% · 4.625%
HK$86,201
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,770/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,799
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,406
−HK$2,648/mo
Today · 4.125%
HK$89,054
baseline
▲ 0.50% · 4.625%
HK$94,473
+HK$5,419/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,108/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,225
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,726
−HK$2,536/mo
Today · 4.125%
HK$98,262
baseline
▲ 0.50% · 4.625%
HK$103,442
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,524/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,765
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,806
−HK$3,090/mo
Today · 4.125%
HK$103,896
baseline
▲ 0.50% · 4.625%
HK$110,218
+HK$6,322/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,792/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,763
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,680
−HK$2,959/mo
Today · 4.125%
HK$114,639
baseline
▲ 0.50% · 4.625%
HK$120,682
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,278/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,698
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,608
−HK$3,973/mo
Today · 4.125%
HK$133,581
baseline
▲ 0.50% · 4.625%
HK$141,709
+HK$8,128/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,162/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,838
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,589
−HK$3,804/mo
Today · 4.125%
HK$147,393
baseline
▲ 0.50% · 4.625%
HK$155,163
+HK$7,770/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,786/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,555 · Scale 2, in force from 26 Feb 2026)