LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,737
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,968
−HK$2,267/mo
Today · 4.125%
HK$76,235
baseline
▲ 0.50% · 4.625%
HK$80,874
+HK$4,639/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$152,470/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,806
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,947
−HK$2,171/mo
Today · 4.125%
HK$84,118
baseline
▲ 0.50% · 4.625%
HK$88,552
+HK$4,434/mo
Deposit HK$15.73M · loan HK$15.73M · min. income ≈ HK$168,236/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$1,337,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,084
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,762
−HK$2,720/mo
Today · 4.125%
HK$91,482
baseline
▲ 0.50% · 4.625%
HK$97,049
+HK$5,567/mo
Deposit HK$12.58M · loan HK$18.88M · min. income ≈ HK$182,964/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,767
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,336
−HK$2,605/mo
Today · 4.125%
HK$100,941
baseline
▲ 0.50% · 4.625%
HK$106,262
+HK$5,321/mo
Deposit HK$12.58M · loan HK$18.88M · min. income ≈ HK$201,882/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,337,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,431
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,555
−HK$3,174/mo
Today · 4.125%
HK$106,729
baseline
▲ 0.50% · 4.625%
HK$113,223
+HK$6,494/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$213,458/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,337,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,729
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,725
−HK$3,040/mo
Today · 4.125%
HK$117,765
baseline
▲ 0.50% · 4.625%
HK$123,973
+HK$6,208/mo
Deposit HK$9.44M · loan HK$22.02M · min. income ≈ HK$235,530/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,337,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,126
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,142
−HK$4,081/mo
Today · 4.125%
HK$137,223
baseline
▲ 0.50% · 4.625%
HK$145,573
+HK$8,350/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$274,446/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,651
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$147,504
−HK$3,908/mo
Today · 4.125%
HK$151,412
baseline
▲ 0.50% · 4.625%
HK$159,393
+HK$7,981/mo
Deposit HK$3.15M · loan HK$28.31M · min. income ≈ HK$302,824/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,337,044 · Scale 2, in force from 26 Feb 2026)