LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,942
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,148
−HK$2,242/mo
Today · 4.125%
HK$75,390
baseline
▲ 0.50% · 4.625%
HK$79,978
+HK$4,588/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,780/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,922
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,038
−HK$2,148/mo
Today · 4.125%
HK$83,186
baseline
▲ 0.50% · 4.625%
HK$87,571
+HK$4,385/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,372/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,130
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,778
−HK$2,690/mo
Today · 4.125%
HK$90,468
baseline
▲ 0.50% · 4.625%
HK$95,973
+HK$5,505/mo
Deposit HK$12.44M · loan HK$18.67M · min. income ≈ HK$180,936/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,706
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,246
−HK$2,577/mo
Today · 4.125%
HK$99,823
baseline
▲ 0.50% · 4.625%
HK$105,085
+HK$5,262/mo
Deposit HK$12.44M · loan HK$18.67M · min. income ≈ HK$199,646/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,318
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$102,408
−HK$3,138/mo
Today · 4.125%
HK$105,546
baseline
▲ 0.50% · 4.625%
HK$111,969
+HK$6,423/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$211,092/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,490
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$113,454
−HK$3,006/mo
Today · 4.125%
HK$116,460
baseline
▲ 0.50% · 4.625%
HK$122,599
+HK$6,139/mo
Deposit HK$9.33M · loan HK$21.78M · min. income ≈ HK$232,920/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,695
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$131,667
−HK$4,035/mo
Today · 4.125%
HK$135,702
baseline
▲ 0.50% · 4.625%
HK$143,960
+HK$8,258/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$271,404/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,059
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,869
−HK$3,865/mo
Today · 4.125%
HK$149,734
baseline
▲ 0.50% · 4.625%
HK$157,627
+HK$7,893/mo
Deposit HK$3.11M · loan HK$28.00M · min. income ≈ HK$299,468/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,227 · Scale 2, in force from 26 Feb 2026)