LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,900
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,106
−HK$2,241/mo
Today · 4.125%
HK$75,347
baseline
▲ 0.50% · 4.625%
HK$79,931
+HK$4,584/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,694/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,876
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,991
−HK$2,146/mo
Today · 4.125%
HK$83,137
baseline
▲ 0.50% · 4.625%
HK$87,520
+HK$4,383/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,274/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,081
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,727
−HK$2,689/mo
Today · 4.125%
HK$90,416
baseline
▲ 0.50% · 4.625%
HK$95,917
+HK$5,501/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,832/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,651
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,190
−HK$2,575/mo
Today · 4.125%
HK$99,765
baseline
▲ 0.50% · 4.625%
HK$105,024
+HK$5,259/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,530/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,261
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$102,348
−HK$3,137/mo
Today · 4.125%
HK$105,485
baseline
▲ 0.50% · 4.625%
HK$111,904
+HK$6,419/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$210,970/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,426
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$113,388
−HK$3,004/mo
Today · 4.125%
HK$116,392
baseline
▲ 0.50% · 4.625%
HK$122,528
+HK$6,136/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,784/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,621
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$131,591
−HK$4,033/mo
Today · 4.125%
HK$135,624
baseline
▲ 0.50% · 4.625%
HK$143,876
+HK$8,252/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$271,248/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,977
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$145,785
−HK$3,862/mo
Today · 4.125%
HK$149,647
baseline
▲ 0.50% · 4.625%
HK$157,536
+HK$7,889/mo
Deposit HK$3.11M · loan HK$27.98M · min. income ≈ HK$299,294/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,461 · Scale 2, in force from 26 Feb 2026)