LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,113
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,325
−HK$2,247/mo
Today · 4.125%
HK$75,572
baseline
▲ 0.50% · 4.625%
HK$80,171
+HK$4,599/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,144/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,112
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,234
−HK$2,152/mo
Today · 4.125%
HK$83,386
baseline
▲ 0.50% · 4.625%
HK$87,782
+HK$4,396/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,772/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,335
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$87,990
−HK$2,697/mo
Today · 4.125%
HK$90,687
baseline
▲ 0.50% · 4.625%
HK$96,205
+HK$5,518/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$181,374/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,935
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,481
−HK$2,583/mo
Today · 4.125%
HK$100,064
baseline
▲ 0.50% · 4.625%
HK$105,338
+HK$5,274/mo
Deposit HK$12.47M · loan HK$18.71M · min. income ≈ HK$200,128/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,558
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,655
−HK$3,146/mo
Today · 4.125%
HK$105,801
baseline
▲ 0.50% · 4.625%
HK$112,239
+HK$6,438/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,602/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,757
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,728
−HK$3,013/mo
Today · 4.125%
HK$116,741
baseline
▲ 0.50% · 4.625%
HK$122,895
+HK$6,154/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,482/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,003
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,985
−HK$4,045/mo
Today · 4.125%
HK$136,030
baseline
▲ 0.50% · 4.625%
HK$144,307
+HK$8,277/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,060/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,402
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,221
−HK$3,875/mo
Today · 4.125%
HK$150,096
baseline
▲ 0.50% · 4.625%
HK$158,007
+HK$7,911/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,192/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,419 · Scale 2, in force from 26 Feb 2026)