LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,221
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,406
−HK$2,219/mo
Today · 4.125%
HK$74,625
baseline
▲ 0.50% · 4.625%
HK$79,166
+HK$4,541/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$149,250/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,121
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,216
−HK$2,125/mo
Today · 4.125%
HK$82,341
baseline
▲ 0.50% · 4.625%
HK$86,682
+HK$4,341/mo
Deposit HK$15.40M · loan HK$15.40M · min. income ≈ HK$164,682/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,308,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,266
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,887
−HK$2,663/mo
Today · 4.125%
HK$89,550
baseline
▲ 0.50% · 4.625%
HK$94,999
+HK$5,449/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$179,100/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,745
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,259
−HK$2,551/mo
Today · 4.125%
HK$98,810
baseline
▲ 0.50% · 4.625%
HK$104,018
+HK$5,208/mo
Deposit HK$12.32M · loan HK$18.48M · min. income ≈ HK$197,620/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,308,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,310
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,368
−HK$3,107/mo
Today · 4.125%
HK$104,475
baseline
▲ 0.50% · 4.625%
HK$110,832
+HK$6,357/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$208,950/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,369
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,302
−HK$2,976/mo
Today · 4.125%
HK$115,278
baseline
▲ 0.50% · 4.625%
HK$121,354
+HK$6,076/mo
Deposit HK$9.24M · loan HK$21.56M · min. income ≈ HK$230,556/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,399
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,330
−HK$3,995/mo
Today · 4.125%
HK$134,325
baseline
▲ 0.50% · 4.625%
HK$142,498
+HK$8,173/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$268,650/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,617
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$144,389
−HK$3,825/mo
Today · 4.125%
HK$148,214
baseline
▲ 0.50% · 4.625%
HK$156,027
+HK$7,813/mo
Deposit HK$3.08M · loan HK$27.72M · min. income ≈ HK$296,428/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,807 · Scale 2, in force from 26 Feb 2026)