LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,610
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,806
−HK$2,231/mo
Today · 4.125%
HK$75,037
baseline
▲ 0.50% · 4.625%
HK$79,603
+HK$4,566/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$150,074/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,552
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,659
−HK$2,137/mo
Today · 4.125%
HK$82,796
baseline
▲ 0.50% · 4.625%
HK$87,161
+HK$4,365/mo
Deposit HK$15.48M · loan HK$15.48M · min. income ≈ HK$165,592/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,731
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,367
−HK$2,678/mo
Today · 4.125%
HK$90,045
baseline
▲ 0.50% · 4.625%
HK$95,524
+HK$5,479/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,090/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,263
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,791
−HK$2,565/mo
Today · 4.125%
HK$99,356
baseline
▲ 0.50% · 4.625%
HK$104,593
+HK$5,237/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,712/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,853
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,928
−HK$3,124/mo
Today · 4.125%
HK$105,052
baseline
▲ 0.50% · 4.625%
HK$111,445
+HK$6,393/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,104/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,973
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,923
−HK$2,992/mo
Today · 4.125%
HK$115,915
baseline
▲ 0.50% · 4.625%
HK$122,025
+HK$6,110/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,830/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,097
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$131,051
−HK$4,016/mo
Today · 4.125%
HK$135,067
baseline
▲ 0.50% · 4.625%
HK$143,286
+HK$8,219/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,134/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,394
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,186
−HK$3,847/mo
Today · 4.125%
HK$149,033
baseline
▲ 0.50% · 4.625%
HK$156,889
+HK$7,856/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,066/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,039 · Scale 2, in force from 26 Feb 2026)