LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,630
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,827
−HK$2,232/mo
Today · 4.125%
HK$75,059
baseline
▲ 0.50% · 4.625%
HK$79,626
+HK$4,567/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,118/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,575
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,682
−HK$2,138/mo
Today · 4.125%
HK$82,820
baseline
▲ 0.50% · 4.625%
HK$87,186
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,640/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$1,316,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,756
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,392
−HK$2,679/mo
Today · 4.125%
HK$90,071
baseline
▲ 0.50% · 4.625%
HK$95,551
+HK$5,480/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$180,142/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,290
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,819
−HK$2,565/mo
Today · 4.125%
HK$99,384
baseline
▲ 0.50% · 4.625%
HK$104,623
+HK$5,239/mo
Deposit HK$12.39M · loan HK$18.58M · min. income ≈ HK$198,768/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,882
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,957
−HK$3,125/mo
Today · 4.125%
HK$105,082
baseline
▲ 0.50% · 4.625%
HK$111,476
+HK$6,394/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$210,164/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,005
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,955
−HK$2,993/mo
Today · 4.125%
HK$115,948
baseline
▲ 0.50% · 4.625%
HK$122,060
+HK$6,112/mo
Deposit HK$9.29M · loan HK$21.68M · min. income ≈ HK$231,896/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,134
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,088
−HK$4,018/mo
Today · 4.125%
HK$135,106
baseline
▲ 0.50% · 4.625%
HK$143,327
+HK$8,221/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,212/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,435
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,228
−HK$3,848/mo
Today · 4.125%
HK$149,076
baseline
▲ 0.50% · 4.625%
HK$156,934
+HK$7,858/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,152/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,415 · Scale 2, in force from 26 Feb 2026)