LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,095
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,275
−HK$2,215/mo
Today · 4.125%
HK$74,490
baseline
▲ 0.50% · 4.625%
HK$79,023
+HK$4,533/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,980/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,980
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,071
−HK$2,122/mo
Today · 4.125%
HK$82,193
baseline
▲ 0.50% · 4.625%
HK$86,525
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,386/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,114
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,730
−HK$2,658/mo
Today · 4.125%
HK$89,388
baseline
▲ 0.50% · 4.625%
HK$94,827
+HK$5,439/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$178,776/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,576
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,085
−HK$2,546/mo
Today · 4.125%
HK$98,631
baseline
▲ 0.50% · 4.625%
HK$103,830
+HK$5,199/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$197,262/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,133
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,185
−HK$3,101/mo
Today · 4.125%
HK$104,286
baseline
▲ 0.50% · 4.625%
HK$110,632
+HK$6,346/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,572/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,171
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,099
−HK$2,971/mo
Today · 4.125%
HK$115,070
baseline
▲ 0.50% · 4.625%
HK$121,135
+HK$6,065/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,140/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,170
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,095
−HK$3,987/mo
Today · 4.125%
HK$134,082
baseline
▲ 0.50% · 4.625%
HK$142,241
+HK$8,159/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,164/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,363
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,128
−HK$3,819/mo
Today · 4.125%
HK$147,947
baseline
▲ 0.50% · 4.625%
HK$155,745
+HK$7,798/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,894/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,442 · Scale 2, in force from 26 Feb 2026)