LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,578
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,773
−HK$2,231/mo
Today · 4.125%
HK$75,004
baseline
▲ 0.50% · 4.625%
HK$79,567
+HK$4,563/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,008/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,517
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,623
−HK$2,136/mo
Today · 4.125%
HK$82,759
baseline
▲ 0.50% · 4.625%
HK$87,122
+HK$4,363/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,518/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,693
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,328
−HK$2,676/mo
Today · 4.125%
HK$90,004
baseline
▲ 0.50% · 4.625%
HK$95,481
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,008/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,221
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,748
−HK$2,563/mo
Today · 4.125%
HK$99,311
baseline
▲ 0.50% · 4.625%
HK$104,546
+HK$5,235/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,622/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,809
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,883
−HK$3,122/mo
Today · 4.125%
HK$105,005
baseline
▲ 0.50% · 4.625%
HK$111,394
+HK$6,389/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,010/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,924
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,872
−HK$2,991/mo
Today · 4.125%
HK$115,863
baseline
▲ 0.50% · 4.625%
HK$121,970
+HK$6,107/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,726/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,040
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$130,992
−HK$4,015/mo
Today · 4.125%
HK$135,007
baseline
▲ 0.50% · 4.625%
HK$143,221
+HK$8,214/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,014/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,331
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,121
−HK$3,846/mo
Today · 4.125%
HK$148,967
baseline
▲ 0.50% · 4.625%
HK$156,819
+HK$7,852/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,934/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,448 · Scale 2, in force from 26 Feb 2026)