LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,345
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,564
−HK$2,255/mo
Today · 4.125%
HK$75,819
baseline
▲ 0.50% · 4.625%
HK$80,432
+HK$4,613/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$151,638/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,370
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,499
−HK$2,160/mo
Today · 4.125%
HK$83,659
baseline
▲ 0.50% · 4.625%
HK$88,068
+HK$4,409/mo
Deposit HK$15.64M · loan HK$15.64M · min. income ≈ HK$167,318/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,329,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,614
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,277
−HK$2,706/mo
Today · 4.125%
HK$90,983
baseline
▲ 0.50% · 4.625%
HK$96,519
+HK$5,536/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$181,966/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,245
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,799
−HK$2,591/mo
Today · 4.125%
HK$100,390
baseline
▲ 0.50% · 4.625%
HK$105,682
+HK$5,292/mo
Deposit HK$12.52M · loan HK$18.77M · min. income ≈ HK$200,780/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,329,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,883
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,990
−HK$3,156/mo
Today · 4.125%
HK$106,146
baseline
▲ 0.50% · 4.625%
HK$112,605
+HK$6,459/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$212,292/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,119
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$114,099
−HK$3,023/mo
Today · 4.125%
HK$117,122
baseline
▲ 0.50% · 4.625%
HK$123,296
+HK$6,174/mo
Deposit HK$9.39M · loan HK$21.90M · min. income ≈ HK$234,244/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,329,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,421
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,415
−HK$4,059/mo
Today · 4.125%
HK$136,474
baseline
▲ 0.50% · 4.625%
HK$144,778
+HK$8,304/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$272,948/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,867
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$146,698
−HK$3,887/mo
Today · 4.125%
HK$150,585
baseline
▲ 0.50% · 4.625%
HK$158,523
+HK$7,938/mo
Deposit HK$3.13M · loan HK$28.16M · min. income ≈ HK$301,170/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,329,744 · Scale 2, in force from 26 Feb 2026)