LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,771
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,973
−HK$2,236/mo
Today · 4.125%
HK$75,209
baseline
▲ 0.50% · 4.625%
HK$79,786
+HK$4,577/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,418/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,732
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,844
−HK$2,142/mo
Today · 4.125%
HK$82,986
baseline
▲ 0.50% · 4.625%
HK$87,360
+HK$4,374/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$165,972/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,926
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,567
−HK$2,684/mo
Today · 4.125%
HK$90,251
baseline
▲ 0.50% · 4.625%
HK$95,743
+HK$5,492/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$180,502/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,479
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,013
−HK$2,570/mo
Today · 4.125%
HK$99,583
baseline
▲ 0.50% · 4.625%
HK$104,832
+HK$5,249/mo
Deposit HK$12.41M · loan HK$18.62M · min. income ≈ HK$199,166/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,319,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,080
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,162
−HK$3,131/mo
Today · 4.125%
HK$105,293
baseline
▲ 0.50% · 4.625%
HK$111,700
+HK$6,407/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,586/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,225
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,182
−HK$2,999/mo
Today · 4.125%
HK$116,181
baseline
▲ 0.50% · 4.625%
HK$122,305
+HK$6,124/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,362/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,388
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$131,351
−HK$4,026/mo
Today · 4.125%
HK$135,377
baseline
▲ 0.50% · 4.625%
HK$143,614
+HK$8,237/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$270,754/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,718
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$145,519
−HK$3,856/mo
Today · 4.125%
HK$149,375
baseline
▲ 0.50% · 4.625%
HK$157,249
+HK$7,874/mo
Deposit HK$3.10M · loan HK$27.93M · min. income ≈ HK$298,750/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,055 · Scale 2, in force from 26 Feb 2026)