LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,116
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,390
−HK$2,311/mo
Today · 4.125%
HK$77,701
baseline
▲ 0.50% · 4.625%
HK$82,429
+HK$4,728/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,402/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,341
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,522
−HK$2,213/mo
Today · 4.125%
HK$85,735
baseline
▲ 0.50% · 4.625%
HK$90,255
+HK$4,520/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,470/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,739
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,468
−HK$2,773/mo
Today · 4.125%
HK$93,241
baseline
▲ 0.50% · 4.625%
HK$98,915
+HK$5,674/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,482/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,609
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,227
−HK$2,655/mo
Today · 4.125%
HK$102,882
baseline
▲ 0.50% · 4.625%
HK$108,305
+HK$5,423/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,764/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,362
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,546
−HK$3,235/mo
Today · 4.125%
HK$108,781
baseline
▲ 0.50% · 4.625%
HK$115,400
+HK$6,619/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,562/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,877
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,931
−HK$3,098/mo
Today · 4.125%
HK$120,029
baseline
▲ 0.50% · 4.625%
HK$126,356
+HK$6,327/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,058/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,609
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,702
−HK$4,160/mo
Today · 4.125%
HK$139,862
baseline
▲ 0.50% · 4.625%
HK$148,372
+HK$8,510/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,724/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,413
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$150,340
−HK$3,984/mo
Today · 4.125%
HK$154,324
baseline
▲ 0.50% · 4.625%
HK$162,458
+HK$8,134/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,648/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,754 · Scale 2, in force from 26 Feb 2026)