LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,119
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,393
−HK$2,311/mo
Today · 4.125%
HK$77,704
baseline
▲ 0.50% · 4.625%
HK$82,432
+HK$4,728/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,408/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,344
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,525
−HK$2,213/mo
Today · 4.125%
HK$85,738
baseline
▲ 0.50% · 4.625%
HK$90,258
+HK$4,520/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,476/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,742
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,472
−HK$2,773/mo
Today · 4.125%
HK$93,245
baseline
▲ 0.50% · 4.625%
HK$98,918
+HK$5,673/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,490/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,612
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,230
−HK$2,656/mo
Today · 4.125%
HK$102,886
baseline
▲ 0.50% · 4.625%
HK$108,309
+HK$5,423/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,772/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,366
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,550
−HK$3,235/mo
Today · 4.125%
HK$108,785
baseline
▲ 0.50% · 4.625%
HK$115,405
+HK$6,620/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,570/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,881
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,935
−HK$3,099/mo
Today · 4.125%
HK$120,034
baseline
▲ 0.50% · 4.625%
HK$126,361
+HK$6,327/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,068/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,613
−HK$8,254/mo
▼ 0.25% · 3.875%
HK$135,707
−HK$4,160/mo
Today · 4.125%
HK$139,867
baseline
▲ 0.50% · 4.625%
HK$148,377
+HK$8,510/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,734/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,419
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,346
−HK$3,983/mo
Today · 4.125%
HK$154,329
baseline
▲ 0.50% · 4.625%
HK$162,464
+HK$8,135/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,658/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,804 · Scale 2, in force from 26 Feb 2026)