LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,482
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,768
−HK$2,322/mo
Today · 4.125%
HK$78,090
baseline
▲ 0.50% · 4.625%
HK$82,842
+HK$4,752/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,180/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,748
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,941
−HK$2,224/mo
Today · 4.125%
HK$86,165
baseline
▲ 0.50% · 4.625%
HK$90,707
+HK$4,542/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,330/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,179
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,921
−HK$2,787/mo
Today · 4.125%
HK$93,708
baseline
▲ 0.50% · 4.625%
HK$99,410
+HK$5,702/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,416/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,098
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,729
−HK$2,669/mo
Today · 4.125%
HK$103,398
baseline
▲ 0.50% · 4.625%
HK$108,848
+HK$5,450/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,796/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,875
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,075
−HK$3,251/mo
Today · 4.125%
HK$109,326
baseline
▲ 0.50% · 4.625%
HK$115,978
+HK$6,652/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,652/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,447
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,517
−HK$3,114/mo
Today · 4.125%
HK$120,631
baseline
▲ 0.50% · 4.625%
HK$126,989
+HK$6,358/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,262/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,268
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,382
−HK$4,180/mo
Today · 4.125%
HK$140,562
baseline
▲ 0.50% · 4.625%
HK$149,115
+HK$8,553/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,124/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,147
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,093
−HK$4,004/mo
Today · 4.125%
HK$155,097
baseline
▲ 0.50% · 4.625%
HK$163,272
+HK$8,175/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,194/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,580 · Scale 2, in force from 26 Feb 2026)