LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,391
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,580
−HK$2,225/mo
Today · 4.125%
HK$74,805
baseline
▲ 0.50% · 4.625%
HK$79,357
+HK$4,552/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,610/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,309
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,409
−HK$2,131/mo
Today · 4.125%
HK$82,540
baseline
▲ 0.50% · 4.625%
HK$86,891
+HK$4,351/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,080/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,469
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,097
−HK$2,669/mo
Today · 4.125%
HK$89,766
baseline
▲ 0.50% · 4.625%
HK$95,228
+HK$5,462/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,532/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,971
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,491
−HK$2,557/mo
Today · 4.125%
HK$99,048
baseline
▲ 0.50% · 4.625%
HK$104,269
+HK$5,221/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,096/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,547
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,613
−HK$3,114/mo
Today · 4.125%
HK$104,727
baseline
▲ 0.50% · 4.625%
HK$111,099
+HK$6,372/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,454/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,633
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,573
−HK$2,983/mo
Today · 4.125%
HK$115,556
baseline
▲ 0.50% · 4.625%
HK$121,647
+HK$6,091/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,112/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,704
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,645
−HK$4,004/mo
Today · 4.125%
HK$134,649
baseline
▲ 0.50% · 4.625%
HK$142,842
+HK$8,193/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,298/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,957
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,737
−HK$3,835/mo
Today · 4.125%
HK$148,572
baseline
▲ 0.50% · 4.625%
HK$156,403
+HK$7,831/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,144/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,964 · Scale 2, in force from 26 Feb 2026)