LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,038
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,217
−HK$2,213/mo
Today · 4.125%
HK$74,430
baseline
▲ 0.50% · 4.625%
HK$78,959
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,860/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,917
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,006
−HK$2,120/mo
Today · 4.125%
HK$82,126
baseline
▲ 0.50% · 4.625%
HK$86,455
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,252/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,046
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,660
−HK$2,656/mo
Today · 4.125%
HK$89,316
baseline
▲ 0.50% · 4.625%
HK$94,751
+HK$5,435/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,632/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,500
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,007
−HK$2,544/mo
Today · 4.125%
HK$98,551
baseline
▲ 0.50% · 4.625%
HK$103,746
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,102/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,053
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,103
−HK$3,099/mo
Today · 4.125%
HK$104,202
baseline
▲ 0.50% · 4.625%
HK$110,542
+HK$6,340/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,404/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,083
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,009
−HK$2,968/mo
Today · 4.125%
HK$114,977
baseline
▲ 0.50% · 4.625%
HK$121,037
+HK$6,060/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,954/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,068
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,990
−HK$3,984/mo
Today · 4.125%
HK$133,974
baseline
▲ 0.50% · 4.625%
HK$142,126
+HK$8,152/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,948/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,250
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,011
−HK$3,816/mo
Today · 4.125%
HK$147,827
baseline
▲ 0.50% · 4.625%
HK$155,619
+HK$7,792/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,654/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,385 · Scale 2, in force from 26 Feb 2026)