LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,065
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,338
−HK$2,309/mo
Today · 4.125%
HK$77,647
baseline
▲ 0.50% · 4.625%
HK$82,372
+HK$4,725/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,294/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,285
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,465
−HK$2,211/mo
Today · 4.125%
HK$85,676
baseline
▲ 0.50% · 4.625%
HK$90,192
+HK$4,516/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,352/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,679
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,406
−HK$2,771/mo
Today · 4.125%
HK$93,177
baseline
▲ 0.50% · 4.625%
HK$98,846
+HK$5,669/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,354/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,541
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,157
−HK$2,654/mo
Today · 4.125%
HK$102,811
baseline
▲ 0.50% · 4.625%
HK$108,231
+HK$5,420/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,622/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,292
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,473
−HK$3,233/mo
Today · 4.125%
HK$108,706
baseline
▲ 0.50% · 4.625%
HK$115,321
+HK$6,615/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,412/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,798
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,850
−HK$3,097/mo
Today · 4.125%
HK$119,947
baseline
▲ 0.50% · 4.625%
HK$126,269
+HK$6,322/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,894/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,518
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$135,609
−HK$4,156/mo
Today · 4.125%
HK$139,765
baseline
▲ 0.50% · 4.625%
HK$148,269
+HK$8,504/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$279,530/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,312
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$150,236
−HK$3,981/mo
Today · 4.125%
HK$154,217
baseline
▲ 0.50% · 4.625%
HK$162,346
+HK$8,129/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$308,434/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,813 · Scale 2, in force from 26 Feb 2026)