LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,593
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,789
−HK$2,231/mo
Today · 4.125%
HK$75,020
baseline
▲ 0.50% · 4.625%
HK$79,585
+HK$4,565/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,040/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,534
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,641
−HK$2,136/mo
Today · 4.125%
HK$82,777
baseline
▲ 0.50% · 4.625%
HK$87,141
+HK$4,364/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,554/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,315,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,712
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,347
−HK$2,677/mo
Today · 4.125%
HK$90,024
baseline
▲ 0.50% · 4.625%
HK$95,502
+HK$5,478/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$180,048/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,241
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,769
−HK$2,564/mo
Today · 4.125%
HK$99,333
baseline
▲ 0.50% · 4.625%
HK$104,569
+HK$5,236/mo
Deposit HK$12.38M · loan HK$18.58M · min. income ≈ HK$198,666/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,315,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,831
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,905
−HK$3,123/mo
Today · 4.125%
HK$105,028
baseline
▲ 0.50% · 4.625%
HK$111,419
+HK$6,391/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$210,056/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,948
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,897
−HK$2,991/mo
Today · 4.125%
HK$115,888
baseline
▲ 0.50% · 4.625%
HK$121,997
+HK$6,109/mo
Deposit HK$9.29M · loan HK$21.67M · min. income ≈ HK$231,776/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,068
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,021
−HK$4,015/mo
Today · 4.125%
HK$135,036
baseline
▲ 0.50% · 4.625%
HK$143,253
+HK$8,217/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$270,072/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,362
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$145,153
−HK$3,846/mo
Today · 4.125%
HK$148,999
baseline
▲ 0.50% · 4.625%
HK$156,853
+HK$7,854/mo
Deposit HK$3.10M · loan HK$27.86M · min. income ≈ HK$297,998/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,739 · Scale 2, in force from 26 Feb 2026)