LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,143
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,387
−HK$2,280/mo
Today · 4.125%
HK$76,667
baseline
▲ 0.50% · 4.625%
HK$81,332
+HK$4,665/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$153,334/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,258
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,411
−HK$2,183/mo
Today · 4.125%
HK$84,594
baseline
▲ 0.50% · 4.625%
HK$89,054
+HK$4,460/mo
Deposit HK$15.82M · loan HK$15.82M · min. income ≈ HK$169,188/mo (50% DSR)
Upfront cash ≈ HK$17.16M (deposit + AVD stamp duty HK$1,344,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,572
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,264
−HK$2,736/mo
Today · 4.125%
HK$92,000
baseline
▲ 0.50% · 4.625%
HK$97,598
+HK$5,598/mo
Deposit HK$12.66M · loan HK$18.98M · min. income ≈ HK$184,000/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,310
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,893
−HK$2,620/mo
Today · 4.125%
HK$101,513
baseline
▲ 0.50% · 4.625%
HK$106,864
+HK$5,351/mo
Deposit HK$12.66M · loan HK$18.98M · min. income ≈ HK$203,026/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,344,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,000
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,142
−HK$3,192/mo
Today · 4.125%
HK$107,334
baseline
▲ 0.50% · 4.625%
HK$113,865
+HK$6,531/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$214,668/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,362
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$115,375
−HK$3,057/mo
Today · 4.125%
HK$118,432
baseline
▲ 0.50% · 4.625%
HK$124,675
+HK$6,243/mo
Deposit HK$9.49M · loan HK$22.15M · min. income ≈ HK$236,864/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,344,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,857
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$133,897
−HK$4,104/mo
Today · 4.125%
HK$138,001
baseline
▲ 0.50% · 4.625%
HK$146,398
+HK$8,397/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$276,002/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,465
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$148,339
−HK$3,931/mo
Today · 4.125%
HK$152,270
baseline
▲ 0.50% · 4.625%
HK$160,296
+HK$8,026/mo
Deposit HK$3.16M · loan HK$28.47M · min. income ≈ HK$304,540/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$1,344,620 · Scale 2, in force from 26 Feb 2026)