LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,958
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,165
−HK$2,243/mo
Today · 4.125%
HK$75,408
baseline
▲ 0.50% · 4.625%
HK$79,996
+HK$4,588/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,816/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,940
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,057
−HK$2,148/mo
Today · 4.125%
HK$83,205
baseline
▲ 0.50% · 4.625%
HK$87,591
+HK$4,386/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,410/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,150
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,798
−HK$2,691/mo
Today · 4.125%
HK$90,489
baseline
▲ 0.50% · 4.625%
HK$95,995
+HK$5,506/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$180,978/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,728
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$97,269
−HK$2,577/mo
Today · 4.125%
HK$99,846
baseline
▲ 0.50% · 4.625%
HK$105,109
+HK$5,263/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,692/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,341
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,431
−HK$3,140/mo
Today · 4.125%
HK$105,571
baseline
▲ 0.50% · 4.625%
HK$111,995
+HK$6,424/mo
Deposit HK$9.34M · loan HK$21.78M · min. income ≈ HK$211,142/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,516
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$113,480
−HK$3,007/mo
Today · 4.125%
HK$116,487
baseline
▲ 0.50% · 4.625%
HK$122,627
+HK$6,140/mo
Deposit HK$9.34M · loan HK$21.78M · min. income ≈ HK$232,974/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,725
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$131,697
−HK$4,037/mo
Today · 4.125%
HK$135,734
baseline
▲ 0.50% · 4.625%
HK$143,993
+HK$8,259/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,468/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,092
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$145,903
−HK$3,866/mo
Today · 4.125%
HK$149,769
baseline
▲ 0.50% · 4.625%
HK$157,664
+HK$7,895/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,538/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$1,322,535 · Scale 2, in force from 26 Feb 2026)