LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,982
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,190
−HK$2,243/mo
Today · 4.125%
HK$75,433
baseline
▲ 0.50% · 4.625%
HK$80,023
+HK$4,590/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$150,866/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,967
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,085
−HK$2,148/mo
Today · 4.125%
HK$83,233
baseline
▲ 0.50% · 4.625%
HK$87,621
+HK$4,388/mo
Deposit HK$15.56M · loan HK$15.56M · min. income ≈ HK$166,466/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,322,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,179
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$87,828
−HK$2,692/mo
Today · 4.125%
HK$90,520
baseline
▲ 0.50% · 4.625%
HK$96,028
+HK$5,508/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$181,040/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,760
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,302
−HK$2,578/mo
Today · 4.125%
HK$99,880
baseline
▲ 0.50% · 4.625%
HK$105,145
+HK$5,265/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$199,760/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,322,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,375
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,466
−HK$3,141/mo
Today · 4.125%
HK$105,607
baseline
▲ 0.50% · 4.625%
HK$112,033
+HK$6,426/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,214/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,554
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,519
−HK$3,008/mo
Today · 4.125%
HK$116,527
baseline
▲ 0.50% · 4.625%
HK$122,669
+HK$6,142/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,054/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,322,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,768
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,742
−HK$4,038/mo
Today · 4.125%
HK$135,780
baseline
▲ 0.50% · 4.625%
HK$144,042
+HK$8,262/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$271,560/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,141
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,953
−HK$3,867/mo
Today · 4.125%
HK$149,820
baseline
▲ 0.50% · 4.625%
HK$157,717
+HK$7,897/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$299,640/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,322,984 · Scale 2, in force from 26 Feb 2026)