LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,917
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,122
−HK$2,242/mo
Today · 4.125%
HK$75,364
baseline
▲ 0.50% · 4.625%
HK$79,949
+HK$4,585/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,728/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,894
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,010
−HK$2,146/mo
Today · 4.125%
HK$83,156
baseline
▲ 0.50% · 4.625%
HK$87,540
+HK$4,384/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,312/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,100
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$87,747
−HK$2,689/mo
Today · 4.125%
HK$90,436
baseline
▲ 0.50% · 4.625%
HK$95,939
+HK$5,503/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,872/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,673
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,212
−HK$2,576/mo
Today · 4.125%
HK$99,788
baseline
▲ 0.50% · 4.625%
HK$105,048
+HK$5,260/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,576/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,283
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,371
−HK$3,138/mo
Today · 4.125%
HK$105,509
baseline
▲ 0.50% · 4.625%
HK$111,929
+HK$6,420/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$211,018/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,452
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$113,414
−HK$3,005/mo
Today · 4.125%
HK$116,419
baseline
▲ 0.50% · 4.625%
HK$122,556
+HK$6,137/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,838/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,650
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$131,620
−HK$4,035/mo
Today · 4.125%
HK$135,655
baseline
▲ 0.50% · 4.625%
HK$143,909
+HK$8,254/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$271,310/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,009
−HK$7,672/mo
▼ 0.25% · 3.875%
HK$145,818
−HK$3,863/mo
Today · 4.125%
HK$149,681
baseline
▲ 0.50% · 4.625%
HK$157,571
+HK$7,890/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$299,362/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,761 · Scale 2, in force from 26 Feb 2026)