LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,172
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,386
−HK$2,249/mo
Today · 4.125%
HK$75,635
baseline
▲ 0.50% · 4.625%
HK$80,237
+HK$4,602/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$151,270/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,178
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,302
−HK$2,154/mo
Today · 4.125%
HK$83,456
baseline
▲ 0.50% · 4.625%
HK$87,855
+HK$4,399/mo
Deposit HK$15.61M · loan HK$15.61M · min. income ≈ HK$166,912/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$1,326,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,406
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,063
−HK$2,699/mo
Today · 4.125%
HK$90,762
baseline
▲ 0.50% · 4.625%
HK$96,285
+HK$5,523/mo
Deposit HK$12.48M · loan HK$18.73M · min. income ≈ HK$181,524/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,014
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,562
−HK$2,585/mo
Today · 4.125%
HK$100,147
baseline
▲ 0.50% · 4.625%
HK$105,426
+HK$5,279/mo
Deposit HK$12.48M · loan HK$18.73M · min. income ≈ HK$200,294/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,326,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,641
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$102,740
−HK$3,149/mo
Today · 4.125%
HK$105,889
baseline
▲ 0.50% · 4.625%
HK$112,332
+HK$6,443/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$211,778/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,849
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$113,822
−HK$3,016/mo
Today · 4.125%
HK$116,838
baseline
▲ 0.50% · 4.625%
HK$122,997
+HK$6,159/mo
Deposit HK$9.36M · loan HK$21.85M · min. income ≈ HK$233,676/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,326,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,110
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$132,095
−HK$4,048/mo
Today · 4.125%
HK$136,143
baseline
▲ 0.50% · 4.625%
HK$144,427
+HK$8,284/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$272,286/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,521
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$146,343
−HK$3,878/mo
Today · 4.125%
HK$150,221
baseline
▲ 0.50% · 4.625%
HK$158,139
+HK$7,918/mo
Deposit HK$3.12M · loan HK$28.09M · min. income ≈ HK$300,442/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,326,523 · Scale 2, in force from 26 Feb 2026)