LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,990
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,198
−HK$2,244/mo
Today · 4.125%
HK$75,442
baseline
▲ 0.50% · 4.625%
HK$80,032
+HK$4,590/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,884/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,976
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,094
−HK$2,148/mo
Today · 4.125%
HK$83,242
baseline
▲ 0.50% · 4.625%
HK$87,630
+HK$4,388/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,484/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,188
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$87,838
−HK$2,692/mo
Today · 4.125%
HK$90,530
baseline
▲ 0.50% · 4.625%
HK$96,039
+HK$5,509/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$181,060/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,771
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$97,312
−HK$2,579/mo
Today · 4.125%
HK$99,891
baseline
▲ 0.50% · 4.625%
HK$105,156
+HK$5,265/mo
Deposit HK$12.45M · loan HK$18.68M · min. income ≈ HK$199,782/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,386
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$102,477
−HK$3,141/mo
Today · 4.125%
HK$105,618
baseline
▲ 0.50% · 4.625%
HK$112,045
+HK$6,427/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$211,236/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,566
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$113,531
−HK$3,008/mo
Today · 4.125%
HK$116,539
baseline
▲ 0.50% · 4.625%
HK$122,682
+HK$6,143/mo
Deposit HK$9.34M · loan HK$21.79M · min. income ≈ HK$233,078/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,782
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$131,757
−HK$4,038/mo
Today · 4.125%
HK$135,795
baseline
▲ 0.50% · 4.625%
HK$144,058
+HK$8,263/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$271,590/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,156
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$145,969
−HK$3,867/mo
Today · 4.125%
HK$149,836
baseline
▲ 0.50% · 4.625%
HK$157,735
+HK$7,899/mo
Deposit HK$3.11M · loan HK$28.02M · min. income ≈ HK$299,672/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,130 · Scale 2, in force from 26 Feb 2026)