LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,591
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,818
−HK$2,263/mo
Today · 4.125%
HK$76,081
baseline
▲ 0.50% · 4.625%
HK$80,710
+HK$4,629/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$152,162/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,645
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,781
−HK$2,166/mo
Today · 4.125%
HK$83,947
baseline
▲ 0.50% · 4.625%
HK$88,372
+HK$4,425/mo
Deposit HK$15.70M · loan HK$15.70M · min. income ≈ HK$167,894/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,334,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,909
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,582
−HK$2,715/mo
Today · 4.125%
HK$91,297
baseline
▲ 0.50% · 4.625%
HK$96,852
+HK$5,555/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$182,594/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,573
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,137
−HK$2,600/mo
Today · 4.125%
HK$100,737
baseline
▲ 0.50% · 4.625%
HK$106,047
+HK$5,310/mo
Deposit HK$12.56M · loan HK$18.84M · min. income ≈ HK$201,474/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,334,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,228
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$103,345
−HK$3,168/mo
Today · 4.125%
HK$106,513
baseline
▲ 0.50% · 4.625%
HK$112,994
+HK$6,481/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$213,026/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,502
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$114,493
−HK$3,033/mo
Today · 4.125%
HK$117,526
baseline
▲ 0.50% · 4.625%
HK$123,721
+HK$6,195/mo
Deposit HK$9.42M · loan HK$21.98M · min. income ≈ HK$235,052/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,334,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,864
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$132,873
−HK$4,072/mo
Today · 4.125%
HK$136,945
baseline
▲ 0.50% · 4.625%
HK$145,278
+HK$8,333/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$273,890/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,360
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$147,205
−HK$3,900/mo
Today · 4.125%
HK$151,105
baseline
▲ 0.50% · 4.625%
HK$159,070
+HK$7,965/mo
Deposit HK$3.14M · loan HK$28.26M · min. income ≈ HK$302,210/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$1,334,336 · Scale 2, in force from 26 Feb 2026)