LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,166
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,379
−HK$2,250/mo
Today · 4.125%
HK$75,629
baseline
▲ 0.50% · 4.625%
HK$80,230
+HK$4,601/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$151,258/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,171
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,295
−HK$2,154/mo
Today · 4.125%
HK$83,449
baseline
▲ 0.50% · 4.625%
HK$87,847
+HK$4,398/mo
Deposit HK$15.60M · loan HK$15.60M · min. income ≈ HK$166,898/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,399
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,055
−HK$2,699/mo
Today · 4.125%
HK$90,754
baseline
▲ 0.50% · 4.625%
HK$96,276
+HK$5,522/mo
Deposit HK$12.48M · loan HK$18.73M · min. income ≈ HK$181,508/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,005
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,553
−HK$2,585/mo
Today · 4.125%
HK$100,138
baseline
▲ 0.50% · 4.625%
HK$105,417
+HK$5,279/mo
Deposit HK$12.48M · loan HK$18.73M · min. income ≈ HK$200,276/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,632
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,731
−HK$3,149/mo
Today · 4.125%
HK$105,880
baseline
▲ 0.50% · 4.625%
HK$112,322
+HK$6,442/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,760/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,840
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,812
−HK$3,016/mo
Today · 4.125%
HK$116,828
baseline
▲ 0.50% · 4.625%
HK$122,986
+HK$6,158/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,656/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,098
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$132,083
−HK$4,048/mo
Today · 4.125%
HK$136,131
baseline
▲ 0.50% · 4.625%
HK$144,415
+HK$8,284/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,262/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,508
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$146,330
−HK$3,878/mo
Today · 4.125%
HK$150,208
baseline
▲ 0.50% · 4.625%
HK$158,125
+HK$7,917/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,416/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,407 · Scale 2, in force from 26 Feb 2026)