LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,137
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,350
−HK$2,248/mo
Today · 4.125%
HK$75,598
baseline
▲ 0.50% · 4.625%
HK$80,198
+HK$4,600/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,196/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,140
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,262
−HK$2,153/mo
Today · 4.125%
HK$83,415
baseline
▲ 0.50% · 4.625%
HK$87,812
+HK$4,397/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,830/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,325,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,365
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,020
−HK$2,698/mo
Today · 4.125%
HK$90,718
baseline
▲ 0.50% · 4.625%
HK$96,238
+HK$5,520/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,436/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,968
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,515
−HK$2,583/mo
Today · 4.125%
HK$100,098
baseline
▲ 0.50% · 4.625%
HK$105,375
+HK$5,277/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,196/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,325,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,592
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,690
−HK$3,148/mo
Today · 4.125%
HK$105,838
baseline
▲ 0.50% · 4.625%
HK$112,278
+HK$6,440/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$211,676/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,796
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,767
−HK$3,014/mo
Today · 4.125%
HK$116,781
baseline
▲ 0.50% · 4.625%
HK$122,937
+HK$6,156/mo
Deposit HK$9.36M · loan HK$21.84M · min. income ≈ HK$233,562/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,325,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,047
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,030
−HK$4,047/mo
Today · 4.125%
HK$136,077
baseline
▲ 0.50% · 4.625%
HK$144,357
+HK$8,280/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$272,154/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,451
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,272
−HK$3,876/mo
Today · 4.125%
HK$150,148
baseline
▲ 0.50% · 4.625%
HK$158,062
+HK$7,914/mo
Deposit HK$3.12M · loan HK$28.08M · min. income ≈ HK$300,296/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,325,878 · Scale 2, in force from 26 Feb 2026)