LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,541
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,736
−HK$2,229/mo
Today · 4.125%
HK$74,965
baseline
▲ 0.50% · 4.625%
HK$79,526
+HK$4,561/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,930/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,476
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,581
−HK$2,135/mo
Today · 4.125%
HK$82,716
baseline
▲ 0.50% · 4.625%
HK$87,076
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,432/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,650
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,283
−HK$2,675/mo
Today · 4.125%
HK$89,958
baseline
▲ 0.50% · 4.625%
HK$95,432
+HK$5,474/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,916/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,172
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,697
−HK$2,563/mo
Today · 4.125%
HK$99,260
baseline
▲ 0.50% · 4.625%
HK$104,492
+HK$5,232/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,520/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,758
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,830
−HK$3,121/mo
Today · 4.125%
HK$104,951
baseline
▲ 0.50% · 4.625%
HK$111,337
+HK$6,386/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,902/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,867
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,814
−HK$2,989/mo
Today · 4.125%
HK$115,803
baseline
▲ 0.50% · 4.625%
HK$121,907
+HK$6,104/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,606/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,974
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$130,924
−HK$4,013/mo
Today · 4.125%
HK$134,937
baseline
▲ 0.50% · 4.625%
HK$143,147
+HK$8,210/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,874/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,258
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,046
−HK$3,843/mo
Today · 4.125%
HK$148,889
baseline
▲ 0.50% · 4.625%
HK$156,737
+HK$7,848/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,778/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,767 · Scale 2, in force from 26 Feb 2026)