LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,621
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,817
−HK$2,232/mo
Today · 4.125%
HK$75,049
baseline
▲ 0.50% · 4.625%
HK$79,616
+HK$4,567/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,098/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,565
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,672
−HK$2,138/mo
Today · 4.125%
HK$82,810
baseline
▲ 0.50% · 4.625%
HK$87,175
+HK$4,365/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,620/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,745
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,381
−HK$2,678/mo
Today · 4.125%
HK$90,059
baseline
▲ 0.50% · 4.625%
HK$95,539
+HK$5,480/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,118/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,278
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,806
−HK$2,565/mo
Today · 4.125%
HK$99,371
baseline
▲ 0.50% · 4.625%
HK$104,609
+HK$5,238/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,742/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,316,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,869
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,944
−HK$3,125/mo
Today · 4.125%
HK$105,069
baseline
▲ 0.50% · 4.625%
HK$111,462
+HK$6,393/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,138/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,991
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,941
−HK$2,992/mo
Today · 4.125%
HK$115,933
baseline
▲ 0.50% · 4.625%
HK$122,044
+HK$6,111/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,866/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,117
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,071
−HK$4,018/mo
Today · 4.125%
HK$135,089
baseline
▲ 0.50% · 4.625%
HK$143,309
+HK$8,220/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$270,178/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,417
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$145,210
−HK$3,847/mo
Today · 4.125%
HK$149,057
baseline
▲ 0.50% · 4.625%
HK$156,914
+HK$7,857/mo
Deposit HK$3.10M · loan HK$27.87M · min. income ≈ HK$298,114/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,249 · Scale 2, in force from 26 Feb 2026)