LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,646
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,844
−HK$2,233/mo
Today · 4.125%
HK$75,077
baseline
▲ 0.50% · 4.625%
HK$79,645
+HK$4,568/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,154/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,593
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,701
−HK$2,139/mo
Today · 4.125%
HK$82,840
baseline
▲ 0.50% · 4.625%
HK$87,206
+HK$4,366/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,680/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,776
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,413
−HK$2,679/mo
Today · 4.125%
HK$90,092
baseline
▲ 0.50% · 4.625%
HK$95,574
+HK$5,482/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,184/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,312
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,841
−HK$2,566/mo
Today · 4.125%
HK$99,407
baseline
▲ 0.50% · 4.625%
HK$104,647
+HK$5,240/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,814/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,905
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,981
−HK$3,126/mo
Today · 4.125%
HK$105,107
baseline
▲ 0.50% · 4.625%
HK$111,503
+HK$6,396/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$210,214/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,031
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,982
−HK$2,993/mo
Today · 4.125%
HK$115,975
baseline
▲ 0.50% · 4.625%
HK$122,089
+HK$6,114/mo
Deposit HK$9.29M · loan HK$21.69M · min. income ≈ HK$231,950/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,163
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,119
−HK$4,019/mo
Today · 4.125%
HK$135,138
baseline
▲ 0.50% · 4.625%
HK$143,361
+HK$8,223/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$270,276/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,468
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$145,262
−HK$3,849/mo
Today · 4.125%
HK$149,111
baseline
▲ 0.50% · 4.625%
HK$156,971
+HK$7,860/mo
Deposit HK$3.10M · loan HK$27.88M · min. income ≈ HK$298,222/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,316,725 · Scale 2, in force from 26 Feb 2026)