LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,357
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,546
−HK$2,223/mo
Today · 4.125%
HK$74,769
baseline
▲ 0.50% · 4.625%
HK$79,319
+HK$4,550/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,538/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,272
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,371
−HK$2,129/mo
Today · 4.125%
HK$82,500
baseline
▲ 0.50% · 4.625%
HK$86,849
+HK$4,349/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,000/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,429
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,055
−HK$2,668/mo
Today · 4.125%
HK$89,723
baseline
▲ 0.50% · 4.625%
HK$95,182
+HK$5,459/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,446/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,926
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,445
−HK$2,555/mo
Today · 4.125%
HK$99,000
baseline
▲ 0.50% · 4.625%
HK$104,219
+HK$5,219/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$198,000/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,500
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,564
−HK$3,113/mo
Today · 4.125%
HK$104,677
baseline
▲ 0.50% · 4.625%
HK$111,046
+HK$6,369/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,354/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,580
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,519
−HK$2,982/mo
Today · 4.125%
HK$115,501
baseline
▲ 0.50% · 4.625%
HK$121,589
+HK$6,088/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,002/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,643
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,582
−HK$4,002/mo
Today · 4.125%
HK$134,584
baseline
▲ 0.50% · 4.625%
HK$142,774
+HK$8,190/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,168/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,889
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$144,667
−HK$3,834/mo
Today · 4.125%
HK$148,501
baseline
▲ 0.50% · 4.625%
HK$156,328
+HK$7,827/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$297,002/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,335 · Scale 2, in force from 26 Feb 2026)