LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,883
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,088
−HK$2,240/mo
Today · 4.125%
HK$75,328
baseline
▲ 0.50% · 4.625%
HK$79,912
+HK$4,584/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$150,656/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,321,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,857
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,972
−HK$2,145/mo
Today · 4.125%
HK$83,117
baseline
▲ 0.50% · 4.625%
HK$87,499
+HK$4,382/mo
Deposit HK$15.54M · loan HK$15.54M · min. income ≈ HK$166,234/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,321,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,060
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,706
−HK$2,688/mo
Today · 4.125%
HK$90,394
baseline
▲ 0.50% · 4.625%
HK$95,894
+HK$5,500/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$180,788/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,628
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,166
−HK$2,575/mo
Today · 4.125%
HK$99,741
baseline
▲ 0.50% · 4.625%
HK$104,998
+HK$5,257/mo
Deposit HK$12.43M · loan HK$18.65M · min. income ≈ HK$199,482/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,237
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$102,323
−HK$3,137/mo
Today · 4.125%
HK$105,460
baseline
▲ 0.50% · 4.625%
HK$111,877
+HK$6,417/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$210,920/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,400
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$113,361
−HK$3,003/mo
Today · 4.125%
HK$116,364
baseline
▲ 0.50% · 4.625%
HK$122,498
+HK$6,134/mo
Deposit HK$9.33M · loan HK$21.76M · min. income ≈ HK$232,728/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,590
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,559
−HK$4,032/mo
Today · 4.125%
HK$135,591
baseline
▲ 0.50% · 4.625%
HK$143,841
+HK$8,250/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,182/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,942
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,749
−HK$3,862/mo
Today · 4.125%
HK$149,611
baseline
▲ 0.50% · 4.625%
HK$157,497
+HK$7,886/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,222/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,141 · Scale 2, in force from 26 Feb 2026)