LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,485
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,709
−HK$2,259/mo
Today · 4.125%
HK$75,968
baseline
▲ 0.50% · 4.625%
HK$80,590
+HK$4,622/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$151,936/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,526
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,659
−HK$2,164/mo
Today · 4.125%
HK$83,823
baseline
▲ 0.50% · 4.625%
HK$88,241
+HK$4,418/mo
Deposit HK$15.67M · loan HK$15.67M · min. income ≈ HK$167,646/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,332,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,782
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,450
−HK$2,711/mo
Today · 4.125%
HK$91,161
baseline
▲ 0.50% · 4.625%
HK$96,708
+HK$5,547/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$182,322/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,432
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,991
−HK$2,597/mo
Today · 4.125%
HK$100,588
baseline
▲ 0.50% · 4.625%
HK$105,890
+HK$5,302/mo
Deposit HK$12.54M · loan HK$18.81M · min. income ≈ HK$201,176/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,332,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,079
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$103,192
−HK$3,163/mo
Today · 4.125%
HK$106,355
baseline
▲ 0.50% · 4.625%
HK$112,826
+HK$6,471/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$212,710/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,337
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$114,323
−HK$3,029/mo
Today · 4.125%
HK$117,352
baseline
▲ 0.50% · 4.625%
HK$123,538
+HK$6,186/mo
Deposit HK$9.40M · loan HK$21.94M · min. income ≈ HK$234,704/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$1,332,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,673
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$132,676
−HK$4,066/mo
Today · 4.125%
HK$136,742
baseline
▲ 0.50% · 4.625%
HK$145,062
+HK$8,320/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$273,484/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,148
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,987
−HK$3,894/mo
Today · 4.125%
HK$150,881
baseline
▲ 0.50% · 4.625%
HK$158,835
+HK$7,954/mo
Deposit HK$3.13M · loan HK$28.21M · min. income ≈ HK$301,762/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,332,357 · Scale 2, in force from 26 Feb 2026)