LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,882
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,149
−HK$2,303/mo
Today · 4.125%
HK$77,452
baseline
▲ 0.50% · 4.625%
HK$82,165
+HK$4,713/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,904/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,080
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,255
−HK$2,206/mo
Today · 4.125%
HK$85,461
baseline
▲ 0.50% · 4.625%
HK$89,965
+HK$4,504/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,922/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,458
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,178
−HK$2,764/mo
Today · 4.125%
HK$92,942
baseline
▲ 0.50% · 4.625%
HK$98,598
+HK$5,656/mo
Deposit HK$12.78M · loan HK$19.18M · min. income ≈ HK$185,884/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,296
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,905
−HK$2,648/mo
Today · 4.125%
HK$102,553
baseline
▲ 0.50% · 4.625%
HK$107,958
+HK$5,405/mo
Deposit HK$12.78M · loan HK$19.18M · min. income ≈ HK$205,106/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,034
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,208
−HK$3,225/mo
Today · 4.125%
HK$108,433
baseline
▲ 0.50% · 4.625%
HK$115,031
+HK$6,598/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$216,866/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,512
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,556
−HK$3,089/mo
Today · 4.125%
HK$119,645
baseline
▲ 0.50% · 4.625%
HK$125,951
+HK$6,306/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$239,290/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,187
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$135,268
−HK$4,145/mo
Today · 4.125%
HK$139,413
baseline
▲ 0.50% · 4.625%
HK$147,896
+HK$8,483/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$278,826/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,944
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$149,858
−HK$3,971/mo
Today · 4.125%
HK$153,829
baseline
▲ 0.50% · 4.625%
HK$161,938
+HK$8,109/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$307,658/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,386 · Scale 2, in force from 26 Feb 2026)