LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,480
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,704
−HK$2,259/mo
Today · 4.125%
HK$75,963
baseline
▲ 0.50% · 4.625%
HK$80,585
+HK$4,622/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,926/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,521
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,654
−HK$2,163/mo
Today · 4.125%
HK$83,817
baseline
▲ 0.50% · 4.625%
HK$88,235
+HK$4,418/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,634/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,776
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,444
−HK$2,711/mo
Today · 4.125%
HK$91,155
baseline
▲ 0.50% · 4.625%
HK$96,702
+HK$5,547/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,310/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,425
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,984
−HK$2,597/mo
Today · 4.125%
HK$100,581
baseline
▲ 0.50% · 4.625%
HK$105,882
+HK$5,301/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,162/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,072
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,185
−HK$3,163/mo
Today · 4.125%
HK$106,348
baseline
▲ 0.50% · 4.625%
HK$112,819
+HK$6,471/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,696/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,329
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,315
−HK$3,029/mo
Today · 4.125%
HK$117,344
baseline
▲ 0.50% · 4.625%
HK$123,529
+HK$6,185/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,688/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,664
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$132,666
−HK$4,067/mo
Today · 4.125%
HK$136,733
baseline
▲ 0.50% · 4.625%
HK$145,052
+HK$8,319/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$273,466/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,138
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,976
−HK$3,895/mo
Today · 4.125%
HK$150,871
baseline
▲ 0.50% · 4.625%
HK$158,823
+HK$7,952/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$301,742/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,264 · Scale 2, in force from 26 Feb 2026)