LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,379
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,630
−HK$2,288/mo
Today · 4.125%
HK$76,918
baseline
▲ 0.50% · 4.625%
HK$81,598
+HK$4,680/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$153,836/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,521
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,680
−HK$2,191/mo
Today · 4.125%
HK$84,871
baseline
▲ 0.50% · 4.625%
HK$89,345
+HK$4,474/mo
Deposit HK$15.87M · loan HK$15.87M · min. income ≈ HK$169,742/mo (50% DSR)
Upfront cash ≈ HK$17.22M (deposit + AVD stamp duty HK$1,349,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,855
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,556
−HK$2,745/mo
Today · 4.125%
HK$92,301
baseline
▲ 0.50% · 4.625%
HK$97,918
+HK$5,617/mo
Deposit HK$12.70M · loan HK$19.04M · min. income ≈ HK$184,602/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,625
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,216
−HK$2,629/mo
Today · 4.125%
HK$101,845
baseline
▲ 0.50% · 4.625%
HK$107,214
+HK$5,369/mo
Deposit HK$12.70M · loan HK$19.04M · min. income ≈ HK$203,690/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,331
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$104,482
−HK$3,203/mo
Today · 4.125%
HK$107,685
baseline
▲ 0.50% · 4.625%
HK$114,237
+HK$6,552/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$215,370/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,729
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,753
−HK$3,067/mo
Today · 4.125%
HK$118,820
baseline
▲ 0.50% · 4.625%
HK$125,083
+HK$6,263/mo
Deposit HK$9.52M · loan HK$22.22M · min. income ≈ HK$237,640/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,349,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,282
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$134,335
−HK$4,117/mo
Today · 4.125%
HK$138,452
baseline
▲ 0.50% · 4.625%
HK$146,876
+HK$8,424/mo
Deposit HK$3.17M · loan HK$28.57M · min. income ≈ HK$276,904/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,938
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$148,825
−HK$3,943/mo
Today · 4.125%
HK$152,768
baseline
▲ 0.50% · 4.625%
HK$160,821
+HK$8,053/mo
Deposit HK$3.17M · loan HK$28.57M · min. income ≈ HK$305,536/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$1,349,018 · Scale 2, in force from 26 Feb 2026)