LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,104
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,378
−HK$2,311/mo
Today · 4.125%
HK$77,689
baseline
▲ 0.50% · 4.625%
HK$82,416
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,378/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,328
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,509
−HK$2,213/mo
Today · 4.125%
HK$85,722
baseline
▲ 0.50% · 4.625%
HK$90,240
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,444/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,725
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,454
−HK$2,772/mo
Today · 4.125%
HK$93,226
baseline
▲ 0.50% · 4.625%
HK$98,899
+HK$5,673/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$186,452/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,593
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,211
−HK$2,655/mo
Today · 4.125%
HK$102,866
baseline
▲ 0.50% · 4.625%
HK$108,288
+HK$5,422/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$205,732/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,346
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,529
−HK$3,235/mo
Today · 4.125%
HK$108,764
baseline
▲ 0.50% · 4.625%
HK$115,382
+HK$6,618/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,528/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,859
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,912
−HK$3,098/mo
Today · 4.125%
HK$120,010
baseline
▲ 0.50% · 4.625%
HK$126,336
+HK$6,326/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,020/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,588
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,681
−HK$4,158/mo
Today · 4.125%
HK$139,839
baseline
▲ 0.50% · 4.625%
HK$148,348
+HK$8,509/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,678/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,390
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,316
−HK$3,983/mo
Today · 4.125%
HK$154,299
baseline
▲ 0.50% · 4.625%
HK$162,432
+HK$8,133/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,598/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,536 · Scale 2, in force from 26 Feb 2026)