LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,800
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,002
−HK$2,238/mo
Today · 4.125%
HK$75,240
baseline
▲ 0.50% · 4.625%
HK$79,818
+HK$4,578/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$150,480/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,764
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,877
−HK$2,143/mo
Today · 4.125%
HK$83,020
baseline
▲ 0.50% · 4.625%
HK$87,396
+HK$4,376/mo
Deposit HK$15.52M · loan HK$15.52M · min. income ≈ HK$166,040/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,319,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,960
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,603
−HK$2,685/mo
Today · 4.125%
HK$90,288
baseline
▲ 0.50% · 4.625%
HK$95,781
+HK$5,493/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$180,576/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,517
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,052
−HK$2,572/mo
Today · 4.125%
HK$99,624
baseline
▲ 0.50% · 4.625%
HK$104,875
+HK$5,251/mo
Deposit HK$12.42M · loan HK$18.63M · min. income ≈ HK$199,248/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,319,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,120
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,203
−HK$3,133/mo
Today · 4.125%
HK$105,336
baseline
▲ 0.50% · 4.625%
HK$111,745
+HK$6,409/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$210,672/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,270
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,227
−HK$3,001/mo
Today · 4.125%
HK$116,228
baseline
▲ 0.50% · 4.625%
HK$122,354
+HK$6,126/mo
Deposit HK$9.31M · loan HK$21.73M · min. income ≈ HK$232,456/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,319,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,440
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$131,404
−HK$4,028/mo
Today · 4.125%
HK$135,432
baseline
▲ 0.50% · 4.625%
HK$143,672
+HK$8,240/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$270,864/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,776
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,578
−HK$3,857/mo
Today · 4.125%
HK$149,435
baseline
▲ 0.50% · 4.625%
HK$157,312
+HK$7,877/mo
Deposit HK$3.10M · loan HK$27.94M · min. income ≈ HK$298,870/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$1,319,588 · Scale 2, in force from 26 Feb 2026)