LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,651
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,848
−HK$2,233/mo
Today · 4.125%
HK$75,081
baseline
▲ 0.50% · 4.625%
HK$79,649
+HK$4,568/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$150,162/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,598
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,706
−HK$2,138/mo
Today · 4.125%
HK$82,844
baseline
▲ 0.50% · 4.625%
HK$87,211
+HK$4,367/mo
Deposit HK$15.49M · loan HK$15.49M · min. income ≈ HK$165,688/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,316,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,781
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,418
−HK$2,679/mo
Today · 4.125%
HK$90,097
baseline
▲ 0.50% · 4.625%
HK$95,579
+HK$5,482/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$180,194/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,318
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,847
−HK$2,566/mo
Today · 4.125%
HK$99,413
baseline
▲ 0.50% · 4.625%
HK$104,654
+HK$5,241/mo
Deposit HK$12.39M · loan HK$18.59M · min. income ≈ HK$198,826/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,316,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,911
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,987
−HK$3,126/mo
Today · 4.125%
HK$105,113
baseline
▲ 0.50% · 4.625%
HK$111,509
+HK$6,396/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$210,226/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,037
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,988
−HK$2,994/mo
Today · 4.125%
HK$115,982
baseline
▲ 0.50% · 4.625%
HK$122,096
+HK$6,114/mo
Deposit HK$9.30M · loan HK$21.69M · min. income ≈ HK$231,964/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,316,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,171
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,127
−HK$4,019/mo
Today · 4.125%
HK$135,146
baseline
▲ 0.50% · 4.625%
HK$143,369
+HK$8,223/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$270,292/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,476
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$145,271
−HK$3,849/mo
Today · 4.125%
HK$149,120
baseline
▲ 0.50% · 4.625%
HK$156,980
+HK$7,860/mo
Deposit HK$3.10M · loan HK$27.89M · min. income ≈ HK$298,240/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,316,803 · Scale 2, in force from 26 Feb 2026)