LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,528
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,722
−HK$2,229/mo
Today · 4.125%
HK$74,951
baseline
▲ 0.50% · 4.625%
HK$79,511
+HK$4,560/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,902/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,462
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,566
−HK$2,135/mo
Today · 4.125%
HK$82,701
baseline
▲ 0.50% · 4.625%
HK$87,060
+HK$4,359/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,402/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,634
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,266
−HK$2,675/mo
Today · 4.125%
HK$89,941
baseline
▲ 0.50% · 4.625%
HK$95,414
+HK$5,473/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,882/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,154
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,679
−HK$2,562/mo
Today · 4.125%
HK$99,241
baseline
▲ 0.50% · 4.625%
HK$104,472
+HK$5,231/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,482/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,739
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,811
−HK$3,120/mo
Today · 4.125%
HK$104,931
baseline
▲ 0.50% · 4.625%
HK$111,316
+HK$6,385/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,862/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,847
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,793
−HK$2,988/mo
Today · 4.125%
HK$115,781
baseline
▲ 0.50% · 4.625%
HK$121,884
+HK$6,103/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,562/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,951
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$130,900
−HK$4,012/mo
Today · 4.125%
HK$134,912
baseline
▲ 0.50% · 4.625%
HK$143,121
+HK$8,209/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,824/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,231
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,019
−HK$3,843/mo
Today · 4.125%
HK$148,862
baseline
▲ 0.50% · 4.625%
HK$156,708
+HK$7,846/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,724/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,522 · Scale 2, in force from 26 Feb 2026)