LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,214
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,429
−HK$2,251/mo
Today · 4.125%
HK$75,680
baseline
▲ 0.50% · 4.625%
HK$80,285
+HK$4,605/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$151,360/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,225
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,350
−HK$2,155/mo
Today · 4.125%
HK$83,505
baseline
▲ 0.50% · 4.625%
HK$87,907
+HK$4,402/mo
Deposit HK$15.62M · loan HK$15.62M · min. income ≈ HK$167,010/mo (50% DSR)
Upfront cash ≈ HK$16.94M (deposit + AVD stamp duty HK$1,327,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,457
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,115
−HK$2,701/mo
Today · 4.125%
HK$90,816
baseline
▲ 0.50% · 4.625%
HK$96,342
+HK$5,526/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$181,632/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,070
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,619
−HK$2,587/mo
Today · 4.125%
HK$100,206
baseline
▲ 0.50% · 4.625%
HK$105,488
+HK$5,282/mo
Deposit HK$12.49M · loan HK$18.74M · min. income ≈ HK$200,412/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,327,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,700
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$102,801
−HK$3,151/mo
Today · 4.125%
HK$105,952
baseline
▲ 0.50% · 4.625%
HK$112,398
+HK$6,446/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$211,904/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,915
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$113,889
−HK$3,018/mo
Today · 4.125%
HK$116,907
baseline
▲ 0.50% · 4.625%
HK$123,069
+HK$6,162/mo
Deposit HK$9.37M · loan HK$21.86M · min. income ≈ HK$233,814/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,327,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,185
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$132,172
−HK$4,051/mo
Today · 4.125%
HK$136,223
baseline
▲ 0.50% · 4.625%
HK$144,512
+HK$8,289/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$272,446/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,605
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$146,429
−HK$3,880/mo
Today · 4.125%
HK$150,309
baseline
▲ 0.50% · 4.625%
HK$158,232
+HK$7,923/mo
Deposit HK$3.12M · loan HK$28.11M · min. income ≈ HK$300,618/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$1,327,304 · Scale 2, in force from 26 Feb 2026)