LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,414
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,604
−HK$2,225/mo
Today · 4.125%
HK$74,829
baseline
▲ 0.50% · 4.625%
HK$79,382
+HK$4,553/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,658/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,334
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,435
−HK$2,132/mo
Today · 4.125%
HK$82,567
baseline
▲ 0.50% · 4.625%
HK$86,919
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,134/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,496
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,125
−HK$2,670/mo
Today · 4.125%
HK$89,795
baseline
▲ 0.50% · 4.625%
HK$95,259
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,590/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,001
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,522
−HK$2,558/mo
Today · 4.125%
HK$99,080
baseline
▲ 0.50% · 4.625%
HK$104,302
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,160/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,579
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,645
−HK$3,116/mo
Today · 4.125%
HK$104,761
baseline
▲ 0.50% · 4.625%
HK$111,135
+HK$6,374/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$209,522/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,668
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,609
−HK$2,984/mo
Today · 4.125%
HK$115,593
baseline
▲ 0.50% · 4.625%
HK$121,686
+HK$6,093/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$231,186/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,744
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,687
−HK$4,005/mo
Today · 4.125%
HK$134,692
baseline
▲ 0.50% · 4.625%
HK$142,888
+HK$8,196/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,384/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,002
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,783
−HK$3,837/mo
Today · 4.125%
HK$148,620
baseline
▲ 0.50% · 4.625%
HK$156,454
+HK$7,834/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,240/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,386 · Scale 2, in force from 26 Feb 2026)