LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,580
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,776
−HK$2,230/mo
Today · 4.125%
HK$75,006
baseline
▲ 0.50% · 4.625%
HK$79,570
+HK$4,564/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,012/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,520
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,626
−HK$2,136/mo
Today · 4.125%
HK$82,762
baseline
▲ 0.50% · 4.625%
HK$87,124
+HK$4,362/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,524/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,696
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,331
−HK$2,676/mo
Today · 4.125%
HK$90,007
baseline
▲ 0.50% · 4.625%
HK$95,484
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,014/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,224
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,751
−HK$2,563/mo
Today · 4.125%
HK$99,314
baseline
▲ 0.50% · 4.625%
HK$104,549
+HK$5,235/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,628/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,812
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,886
−HK$3,123/mo
Today · 4.125%
HK$105,009
baseline
▲ 0.50% · 4.625%
HK$111,398
+HK$6,389/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,018/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,928
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,876
−HK$2,991/mo
Today · 4.125%
HK$115,867
baseline
▲ 0.50% · 4.625%
HK$121,974
+HK$6,107/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,734/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,044
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$130,996
−HK$4,015/mo
Today · 4.125%
HK$135,011
baseline
▲ 0.50% · 4.625%
HK$143,226
+HK$8,215/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,022/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,335
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,126
−HK$3,845/mo
Today · 4.125%
HK$148,971
baseline
▲ 0.50% · 4.625%
HK$156,824
+HK$7,853/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,942/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,491 · Scale 2, in force from 26 Feb 2026)