LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,351
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,540
−HK$2,223/mo
Today · 4.125%
HK$74,763
baseline
▲ 0.50% · 4.625%
HK$79,312
+HK$4,549/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,526/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,265
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,364
−HK$2,130/mo
Today · 4.125%
HK$82,494
baseline
▲ 0.50% · 4.625%
HK$86,842
+HK$4,348/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$164,988/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,422
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,048
−HK$2,668/mo
Today · 4.125%
HK$89,716
baseline
▲ 0.50% · 4.625%
HK$95,175
+HK$5,459/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,432/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,918
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,437
−HK$2,555/mo
Today · 4.125%
HK$98,992
baseline
▲ 0.50% · 4.625%
HK$104,210
+HK$5,218/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,984/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,492
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,556
−HK$3,112/mo
Today · 4.125%
HK$104,668
baseline
▲ 0.50% · 4.625%
HK$111,037
+HK$6,369/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,336/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,571
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,510
−HK$2,981/mo
Today · 4.125%
HK$115,491
baseline
▲ 0.50% · 4.625%
HK$121,579
+HK$6,088/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$230,982/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,632
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,571
−HK$4,002/mo
Today · 4.125%
HK$134,573
baseline
▲ 0.50% · 4.625%
HK$142,762
+HK$8,189/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,146/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,877
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$144,656
−HK$3,833/mo
Today · 4.125%
HK$148,489
baseline
▲ 0.50% · 4.625%
HK$156,316
+HK$7,827/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$296,978/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,227 · Scale 2, in force from 26 Feb 2026)