LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,592
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,788
−HK$2,231/mo
Today · 4.125%
HK$75,019
baseline
▲ 0.50% · 4.625%
HK$79,584
+HK$4,565/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,038/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,533
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,639
−HK$2,137/mo
Today · 4.125%
HK$82,776
baseline
▲ 0.50% · 4.625%
HK$87,139
+HK$4,363/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,552/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,711
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,346
−HK$2,677/mo
Today · 4.125%
HK$90,023
baseline
▲ 0.50% · 4.625%
HK$95,500
+HK$5,477/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$180,046/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,240
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,767
−HK$2,564/mo
Today · 4.125%
HK$99,331
baseline
▲ 0.50% · 4.625%
HK$104,567
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,662/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,829
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,903
−HK$3,123/mo
Today · 4.125%
HK$105,026
baseline
▲ 0.50% · 4.625%
HK$111,417
+HK$6,391/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,052/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,946
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,895
−HK$2,991/mo
Today · 4.125%
HK$115,886
baseline
▲ 0.50% · 4.625%
HK$121,995
+HK$6,109/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,772/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,066
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,018
−HK$4,016/mo
Today · 4.125%
HK$135,034
baseline
▲ 0.50% · 4.625%
HK$143,251
+HK$8,217/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,068/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,360
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$145,151
−HK$3,846/mo
Today · 4.125%
HK$148,997
baseline
▲ 0.50% · 4.625%
HK$156,851
+HK$7,854/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,994/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,715 · Scale 2, in force from 26 Feb 2026)