LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,421
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,704
−HK$2,321/mo
Today · 4.125%
HK$78,025
baseline
▲ 0.50% · 4.625%
HK$82,772
+HK$4,747/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,050/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,680
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,870
−HK$2,223/mo
Today · 4.125%
HK$86,093
baseline
▲ 0.50% · 4.625%
HK$90,631
+HK$4,538/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,186/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,105
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,845
−HK$2,785/mo
Today · 4.125%
HK$93,630
baseline
▲ 0.50% · 4.625%
HK$99,327
+HK$5,697/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,260/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,016
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,644
−HK$2,667/mo
Today · 4.125%
HK$103,311
baseline
▲ 0.50% · 4.625%
HK$108,757
+HK$5,446/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,622/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,789
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,986
−HK$3,249/mo
Today · 4.125%
HK$109,235
baseline
▲ 0.50% · 4.625%
HK$115,881
+HK$6,646/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,470/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,352
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,418
−HK$3,112/mo
Today · 4.125%
HK$120,530
baseline
▲ 0.50% · 4.625%
HK$126,883
+HK$6,353/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,060/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,157
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,268
−HK$4,177/mo
Today · 4.125%
HK$140,445
baseline
▲ 0.50% · 4.625%
HK$148,990
+HK$8,545/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,890/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,023
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$150,967
−HK$4,000/mo
Today · 4.125%
HK$154,967
baseline
▲ 0.50% · 4.625%
HK$163,135
+HK$8,168/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,934/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,433 · Scale 2, in force from 26 Feb 2026)