LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,875
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,080
−HK$2,239/mo
Today · 4.125%
HK$75,319
baseline
▲ 0.50% · 4.625%
HK$79,902
+HK$4,583/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,638/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,848
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,962
−HK$2,146/mo
Today · 4.125%
HK$83,108
baseline
▲ 0.50% · 4.625%
HK$87,488
+HK$4,380/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,216/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,320,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,050
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,695
−HK$2,688/mo
Today · 4.125%
HK$90,383
baseline
▲ 0.50% · 4.625%
HK$95,883
+HK$5,500/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,766/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,617
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,155
−HK$2,574/mo
Today · 4.125%
HK$99,729
baseline
▲ 0.50% · 4.625%
HK$104,986
+HK$5,257/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,458/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,320,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,225
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$102,311
−HK$3,136/mo
Today · 4.125%
HK$105,447
baseline
▲ 0.50% · 4.625%
HK$111,863
+HK$6,416/mo
Deposit HK$9.32M · loan HK$21.76M · min. income ≈ HK$210,894/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,320,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,387
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,347
−HK$3,004/mo
Today · 4.125%
HK$116,351
baseline
▲ 0.50% · 4.625%
HK$122,484
+HK$6,133/mo
Deposit HK$9.32M · loan HK$21.76M · min. income ≈ HK$232,702/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,320,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,575
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$131,543
−HK$4,032/mo
Today · 4.125%
HK$135,575
baseline
▲ 0.50% · 4.625%
HK$143,824
+HK$8,249/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$271,150/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,926
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$145,732
−HK$3,862/mo
Today · 4.125%
HK$149,594
baseline
▲ 0.50% · 4.625%
HK$157,479
+HK$7,885/mo
Deposit HK$3.11M · loan HK$27.97M · min. income ≈ HK$299,188/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,320,985 · Scale 2, in force from 26 Feb 2026)