LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,075
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,254
−HK$2,215/mo
Today · 4.125%
HK$74,469
baseline
▲ 0.50% · 4.625%
HK$79,000
+HK$4,531/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,938/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,957
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,048
−HK$2,121/mo
Today · 4.125%
HK$82,169
baseline
▲ 0.50% · 4.625%
HK$86,500
+HK$4,331/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,338/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,089
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,705
−HK$2,658/mo
Today · 4.125%
HK$89,363
baseline
▲ 0.50% · 4.625%
HK$94,800
+HK$5,437/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,726/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,549
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,058
−HK$2,545/mo
Today · 4.125%
HK$98,603
baseline
▲ 0.50% · 4.625%
HK$103,800
+HK$5,197/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,206/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,104
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,156
−HK$3,100/mo
Today · 4.125%
HK$104,256
baseline
▲ 0.50% · 4.625%
HK$110,600
+HK$6,344/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,512/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,140
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,067
−HK$2,970/mo
Today · 4.125%
HK$115,037
baseline
▲ 0.50% · 4.625%
HK$121,100
+HK$6,063/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,074/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,134
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$130,058
−HK$3,986/mo
Today · 4.125%
HK$134,044
baseline
▲ 0.50% · 4.625%
HK$142,200
+HK$8,156/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,088/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,323
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$144,086
−HK$3,818/mo
Today · 4.125%
HK$147,904
baseline
▲ 0.50% · 4.625%
HK$155,700
+HK$7,796/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,808/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,068 · Scale 2, in force from 26 Feb 2026)