LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,303
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,521
−HK$2,253/mo
Today · 4.125%
HK$75,774
baseline
▲ 0.50% · 4.625%
HK$80,385
+HK$4,611/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$151,548/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,324
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,451
−HK$2,158/mo
Today · 4.125%
HK$83,609
baseline
▲ 0.50% · 4.625%
HK$88,016
+HK$4,407/mo
Deposit HK$15.63M · loan HK$15.63M · min. income ≈ HK$167,218/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,328,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,563
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,225
−HK$2,704/mo
Today · 4.125%
HK$90,929
baseline
▲ 0.50% · 4.625%
HK$96,462
+HK$5,533/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$181,858/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,188
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,741
−HK$2,590/mo
Today · 4.125%
HK$100,331
baseline
▲ 0.50% · 4.625%
HK$105,620
+HK$5,289/mo
Deposit HK$12.51M · loan HK$18.76M · min. income ≈ HK$200,662/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,328,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,824
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,929
−HK$3,155/mo
Today · 4.125%
HK$106,084
baseline
▲ 0.50% · 4.625%
HK$112,538
+HK$6,454/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$212,168/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,053
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,031
−HK$3,022/mo
Today · 4.125%
HK$117,053
baseline
▲ 0.50% · 4.625%
HK$123,223
+HK$6,170/mo
Deposit HK$9.38M · loan HK$21.89M · min. income ≈ HK$234,106/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,328,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,345
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$132,337
−HK$4,056/mo
Today · 4.125%
HK$136,393
baseline
▲ 0.50% · 4.625%
HK$144,692
+HK$8,299/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$272,786/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,782
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$146,612
−HK$3,884/mo
Today · 4.125%
HK$150,496
baseline
▲ 0.50% · 4.625%
HK$158,429
+HK$7,933/mo
Deposit HK$3.13M · loan HK$28.14M · min. income ≈ HK$300,992/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,328,958 · Scale 2, in force from 26 Feb 2026)