LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,969
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,177
−HK$2,242/mo
Today · 4.125%
HK$75,419
baseline
▲ 0.50% · 4.625%
HK$80,009
+HK$4,590/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,838/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,952
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,070
−HK$2,148/mo
Today · 4.125%
HK$83,218
baseline
▲ 0.50% · 4.625%
HK$87,604
+HK$4,386/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,436/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,322,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,163
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$87,812
−HK$2,691/mo
Today · 4.125%
HK$90,503
baseline
▲ 0.50% · 4.625%
HK$96,010
+HK$5,507/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$181,006/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,743
−HK$5,119/mo
▼ 0.25% · 3.875%
HK$97,284
−HK$2,578/mo
Today · 4.125%
HK$99,862
baseline
▲ 0.50% · 4.625%
HK$105,125
+HK$5,263/mo
Deposit HK$12.45M · loan HK$18.67M · min. income ≈ HK$199,724/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,357
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,447
−HK$3,140/mo
Today · 4.125%
HK$105,587
baseline
▲ 0.50% · 4.625%
HK$112,012
+HK$6,425/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,174/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,533
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,498
−HK$3,007/mo
Today · 4.125%
HK$116,505
baseline
▲ 0.50% · 4.625%
HK$122,646
+HK$6,141/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,010/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,744
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$131,718
−HK$4,037/mo
Today · 4.125%
HK$135,755
baseline
▲ 0.50% · 4.625%
HK$144,015
+HK$8,260/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$271,510/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,114
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$145,926
−HK$3,866/mo
Today · 4.125%
HK$149,792
baseline
▲ 0.50% · 4.625%
HK$157,688
+HK$7,896/mo
Deposit HK$3.11M · loan HK$28.01M · min. income ≈ HK$299,584/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,740 · Scale 2, in force from 26 Feb 2026)