LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,844
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,110
−HK$2,302/mo
Today · 4.125%
HK$77,412
baseline
▲ 0.50% · 4.625%
HK$82,122
+HK$4,710/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,824/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,038
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,212
−HK$2,204/mo
Today · 4.125%
HK$85,416
baseline
▲ 0.50% · 4.625%
HK$89,919
+HK$4,503/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,832/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,413
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,132
−HK$2,762/mo
Today · 4.125%
HK$92,894
baseline
▲ 0.50% · 4.625%
HK$98,547
+HK$5,653/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,788/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,246
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,854
−HK$2,646/mo
Today · 4.125%
HK$102,500
baseline
▲ 0.50% · 4.625%
HK$107,903
+HK$5,403/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,000/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,982
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,154
−HK$3,223/mo
Today · 4.125%
HK$108,377
baseline
▲ 0.50% · 4.625%
HK$114,971
+HK$6,594/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,754/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,453
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,496
−HK$3,087/mo
Today · 4.125%
HK$119,583
baseline
▲ 0.50% · 4.625%
HK$125,886
+HK$6,303/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,166/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,119
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,198
−HK$4,143/mo
Today · 4.125%
HK$139,341
baseline
▲ 0.50% · 4.625%
HK$147,820
+HK$8,479/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,682/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,869
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,781
−HK$3,969/mo
Today · 4.125%
HK$153,750
baseline
▲ 0.50% · 4.625%
HK$161,854
+HK$8,104/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,500/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,685 · Scale 2, in force from 26 Feb 2026)