LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,162
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,375
−HK$2,249/mo
Today · 4.125%
HK$75,624
baseline
▲ 0.50% · 4.625%
HK$80,226
+HK$4,602/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,248/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,167
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,290
−HK$2,154/mo
Today · 4.125%
HK$83,444
baseline
▲ 0.50% · 4.625%
HK$87,843
+HK$4,399/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,888/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,394
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,051
−HK$2,698/mo
Today · 4.125%
HK$90,749
baseline
▲ 0.50% · 4.625%
HK$96,271
+HK$5,522/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$181,498/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,000
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,548
−HK$2,585/mo
Today · 4.125%
HK$100,133
baseline
▲ 0.50% · 4.625%
HK$105,411
+HK$5,278/mo
Deposit HK$12.48M · loan HK$18.72M · min. income ≈ HK$200,266/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,627
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,726
−HK$3,148/mo
Today · 4.125%
HK$105,874
baseline
▲ 0.50% · 4.625%
HK$112,316
+HK$6,442/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,748/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,834
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,806
−HK$3,016/mo
Today · 4.125%
HK$116,822
baseline
▲ 0.50% · 4.625%
HK$122,980
+HK$6,158/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,644/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,091
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$132,076
−HK$4,048/mo
Today · 4.125%
HK$136,124
baseline
▲ 0.50% · 4.625%
HK$144,407
+HK$8,283/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,248/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,500
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$146,322
−HK$3,877/mo
Today · 4.125%
HK$150,199
baseline
▲ 0.50% · 4.625%
HK$158,117
+HK$7,918/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,398/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,334 · Scale 2, in force from 26 Feb 2026)