LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,745
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,946
−HK$2,235/mo
Today · 4.125%
HK$75,181
baseline
▲ 0.50% · 4.625%
HK$79,756
+HK$4,575/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$150,362/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,703
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,814
−HK$2,141/mo
Today · 4.125%
HK$82,955
baseline
▲ 0.50% · 4.625%
HK$87,328
+HK$4,373/mo
Deposit HK$15.51M · loan HK$15.51M · min. income ≈ HK$165,910/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,318,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,894
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,535
−HK$2,683/mo
Today · 4.125%
HK$90,218
baseline
▲ 0.50% · 4.625%
HK$95,707
+HK$5,489/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,436/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,444
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,977
−HK$2,569/mo
Today · 4.125%
HK$99,546
baseline
▲ 0.50% · 4.625%
HK$104,794
+HK$5,248/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,092/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,318,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,043
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,124
−HK$3,130/mo
Today · 4.125%
HK$105,254
baseline
▲ 0.50% · 4.625%
HK$111,659
+HK$6,405/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$210,508/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,185
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,140
−HK$2,997/mo
Today · 4.125%
HK$116,137
baseline
▲ 0.50% · 4.625%
HK$122,259
+HK$6,122/mo
Deposit HK$9.31M · loan HK$21.72M · min. income ≈ HK$232,274/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,318,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,341
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$131,302
−HK$4,025/mo
Today · 4.125%
HK$135,327
baseline
▲ 0.50% · 4.625%
HK$143,561
+HK$8,234/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$270,654/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,666
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$145,465
−HK$3,855/mo
Today · 4.125%
HK$149,320
baseline
▲ 0.50% · 4.625%
HK$157,190
+HK$7,870/mo
Deposit HK$3.10M · loan HK$27.92M · min. income ≈ HK$298,640/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,318,566 · Scale 2, in force from 26 Feb 2026)