LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,844
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,016
−HK$2,208/mo
Today · 4.125%
HK$74,224
baseline
▲ 0.50% · 4.625%
HK$78,740
+HK$4,516/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,448/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,701
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,784
−HK$2,114/mo
Today · 4.125%
HK$81,898
baseline
▲ 0.50% · 4.625%
HK$86,215
+HK$4,317/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,796/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,813
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,420
−HK$2,648/mo
Today · 4.125%
HK$89,068
baseline
▲ 0.50% · 4.625%
HK$94,488
+HK$5,420/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,136/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,241
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,741
−HK$2,537/mo
Today · 4.125%
HK$98,278
baseline
▲ 0.50% · 4.625%
HK$103,459
+HK$5,181/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,556/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,781
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,823
−HK$3,090/mo
Today · 4.125%
HK$103,913
baseline
▲ 0.50% · 4.625%
HK$110,236
+HK$6,323/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,826/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,781
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,698
−HK$2,960/mo
Today · 4.125%
HK$114,658
baseline
▲ 0.50% · 4.625%
HK$120,702
+HK$6,044/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,316/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,719
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,629
−HK$3,974/mo
Today · 4.125%
HK$133,603
baseline
▲ 0.50% · 4.625%
HK$141,732
+HK$8,129/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,206/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,861
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,612
−HK$3,805/mo
Today · 4.125%
HK$147,417
baseline
▲ 0.50% · 4.625%
HK$155,188
+HK$7,771/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,834/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,767 · Scale 2, in force from 26 Feb 2026)