LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,424
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,615
−HK$2,225/mo
Today · 4.125%
HK$74,840
baseline
▲ 0.50% · 4.625%
HK$79,394
+HK$4,554/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,680/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,346
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,447
−HK$2,132/mo
Today · 4.125%
HK$82,579
baseline
▲ 0.50% · 4.625%
HK$86,932
+HK$4,353/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,158/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,509
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,138
−HK$2,671/mo
Today · 4.125%
HK$89,809
baseline
▲ 0.50% · 4.625%
HK$95,273
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,618/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,015
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,537
−HK$2,558/mo
Today · 4.125%
HK$99,095
baseline
▲ 0.50% · 4.625%
HK$104,318
+HK$5,223/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,190/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,594
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,661
−HK$3,116/mo
Today · 4.125%
HK$104,777
baseline
▲ 0.50% · 4.625%
HK$111,152
+HK$6,375/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$209,554/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,685
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,626
−HK$2,985/mo
Today · 4.125%
HK$115,611
baseline
▲ 0.50% · 4.625%
HK$121,705
+HK$6,094/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$231,222/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,764
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,707
−HK$4,006/mo
Today · 4.125%
HK$134,713
baseline
▲ 0.50% · 4.625%
HK$142,910
+HK$8,197/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$269,426/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,023
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$144,805
−HK$3,837/mo
Today · 4.125%
HK$148,642
baseline
▲ 0.50% · 4.625%
HK$156,477
+HK$7,835/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$297,284/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,585 · Scale 2, in force from 26 Feb 2026)