LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,117
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,329
−HK$2,247/mo
Today · 4.125%
HK$75,576
baseline
▲ 0.50% · 4.625%
HK$80,175
+HK$4,599/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$151,152/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,116
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,238
−HK$2,153/mo
Today · 4.125%
HK$83,391
baseline
▲ 0.50% · 4.625%
HK$87,787
+HK$4,396/mo
Deposit HK$15.59M · loan HK$15.59M · min. income ≈ HK$166,782/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,340
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,994
−HK$2,697/mo
Today · 4.125%
HK$90,691
baseline
▲ 0.50% · 4.625%
HK$96,210
+HK$5,519/mo
Deposit HK$12.48M · loan HK$18.71M · min. income ≈ HK$181,382/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,940
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,486
−HK$2,583/mo
Today · 4.125%
HK$100,069
baseline
▲ 0.50% · 4.625%
HK$105,344
+HK$5,275/mo
Deposit HK$12.48M · loan HK$18.71M · min. income ≈ HK$200,138/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,563
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$102,660
−HK$3,147/mo
Today · 4.125%
HK$105,807
baseline
▲ 0.50% · 4.625%
HK$112,245
+HK$6,438/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$211,614/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,763
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,734
−HK$3,013/mo
Today · 4.125%
HK$116,747
baseline
▲ 0.50% · 4.625%
HK$122,901
+HK$6,154/mo
Deposit HK$9.36M · loan HK$21.83M · min. income ≈ HK$233,494/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,325,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,010
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,992
−HK$4,045/mo
Today · 4.125%
HK$136,037
baseline
▲ 0.50% · 4.625%
HK$144,315
+HK$8,278/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$272,074/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,410
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,229
−HK$3,875/mo
Today · 4.125%
HK$150,104
baseline
▲ 0.50% · 4.625%
HK$158,016
+HK$7,912/mo
Deposit HK$3.12M · loan HK$28.07M · min. income ≈ HK$300,208/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,325,490 · Scale 2, in force from 26 Feb 2026)