LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,512
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,799
−HK$2,323/mo
Today · 4.125%
HK$78,122
baseline
▲ 0.50% · 4.625%
HK$82,875
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,244/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,781
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,975
−HK$2,225/mo
Today · 4.125%
HK$86,200
baseline
▲ 0.50% · 4.625%
HK$90,743
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,400/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,214
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,958
−HK$2,788/mo
Today · 4.125%
HK$93,746
baseline
▲ 0.50% · 4.625%
HK$99,450
+HK$5,704/mo
Deposit HK$12.90M · loan HK$19.34M · min. income ≈ HK$187,492/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,137
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,769
−HK$2,671/mo
Today · 4.125%
HK$103,440
baseline
▲ 0.50% · 4.625%
HK$108,892
+HK$5,452/mo
Deposit HK$12.90M · loan HK$19.34M · min. income ≈ HK$206,880/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,917
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,118
−HK$3,252/mo
Today · 4.125%
HK$109,370
baseline
▲ 0.50% · 4.625%
HK$116,025
+HK$6,655/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,740/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,494
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,564
−HK$3,115/mo
Today · 4.125%
HK$120,679
baseline
▲ 0.50% · 4.625%
HK$127,041
+HK$6,362/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,358/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,321
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$136,437
−HK$4,182/mo
Today · 4.125%
HK$140,619
baseline
▲ 0.50% · 4.625%
HK$149,175
+HK$8,556/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,238/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,206
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$151,154
−HK$4,005/mo
Today · 4.125%
HK$155,159
baseline
▲ 0.50% · 4.625%
HK$163,338
+HK$8,179/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,318/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,134 · Scale 2, in force from 26 Feb 2026)