LTV · monthly repayment
▼ 0.50% · 3.625%
HK$71,833
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,067
−HK$2,270/mo
Today · 4.125%
HK$76,337
baseline
▲ 0.50% · 4.625%
HK$80,982
+HK$4,645/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$152,674/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,913
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,056
−HK$2,175/mo
Today · 4.125%
HK$84,231
baseline
▲ 0.50% · 4.625%
HK$88,670
+HK$4,439/mo
Deposit HK$15.75M · loan HK$15.75M · min. income ≈ HK$168,462/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,338,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,199
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,880
−HK$2,725/mo
Today · 4.125%
HK$91,605
baseline
▲ 0.50% · 4.625%
HK$97,179
+HK$5,574/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$183,210/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,896
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,468
−HK$2,609/mo
Today · 4.125%
HK$101,077
baseline
▲ 0.50% · 4.625%
HK$106,405
+HK$5,328/mo
Deposit HK$12.60M · loan HK$18.90M · min. income ≈ HK$202,154/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,338,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,566
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,694
−HK$3,178/mo
Today · 4.125%
HK$106,872
baseline
▲ 0.50% · 4.625%
HK$113,375
+HK$6,503/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$213,744/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,878
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,879
−HK$3,044/mo
Today · 4.125%
HK$117,923
baseline
▲ 0.50% · 4.625%
HK$124,139
+HK$6,216/mo
Deposit HK$9.45M · loan HK$22.05M · min. income ≈ HK$235,846/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,299
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$133,321
−HK$4,086/mo
Today · 4.125%
HK$137,407
baseline
▲ 0.50% · 4.625%
HK$145,768
+HK$8,361/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$274,814/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,844
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$147,701
−HK$3,914/mo
Today · 4.125%
HK$151,615
baseline
▲ 0.50% · 4.625%
HK$159,607
+HK$7,992/mo
Deposit HK$3.15M · loan HK$28.35M · min. income ≈ HK$303,230/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,835 · Scale 2, in force from 26 Feb 2026)