LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,928
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,135
−HK$2,241/mo
Today · 4.125%
HK$75,376
baseline
▲ 0.50% · 4.625%
HK$79,963
+HK$4,587/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$150,752/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,907
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,023
−HK$2,147/mo
Today · 4.125%
HK$83,170
baseline
▲ 0.50% · 4.625%
HK$87,554
+HK$4,384/mo
Deposit HK$15.55M · loan HK$15.55M · min. income ≈ HK$166,340/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,114
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,762
−HK$2,690/mo
Today · 4.125%
HK$90,452
baseline
▲ 0.50% · 4.625%
HK$95,955
+HK$5,503/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$180,904/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,689
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,228
−HK$2,576/mo
Today · 4.125%
HK$99,804
baseline
▲ 0.50% · 4.625%
HK$105,065
+HK$5,261/mo
Deposit HK$12.44M · loan HK$18.66M · min. income ≈ HK$199,608/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,300
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,389
−HK$3,138/mo
Today · 4.125%
HK$105,527
baseline
▲ 0.50% · 4.625%
HK$111,948
+HK$6,421/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$211,054/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,470
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,433
−HK$3,005/mo
Today · 4.125%
HK$116,438
baseline
▲ 0.50% · 4.625%
HK$122,576
+HK$6,138/mo
Deposit HK$9.33M · loan HK$21.77M · min. income ≈ HK$232,876/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,671
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$131,642
−HK$4,035/mo
Today · 4.125%
HK$135,677
baseline
▲ 0.50% · 4.625%
HK$143,933
+HK$8,256/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$271,354/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,033
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$145,842
−HK$3,865/mo
Today · 4.125%
HK$149,707
baseline
▲ 0.50% · 4.625%
HK$157,598
+HK$7,891/mo
Deposit HK$3.11M · loan HK$27.99M · min. income ≈ HK$299,414/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,321,983 · Scale 2, in force from 26 Feb 2026)