LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,534
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,821
−HK$2,324/mo
Today · 4.125%
HK$78,145
baseline
▲ 0.50% · 4.625%
HK$82,900
+HK$4,755/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,290/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,806
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,000
−HK$2,226/mo
Today · 4.125%
HK$86,226
baseline
▲ 0.50% · 4.625%
HK$90,771
+HK$4,545/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,452/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,241
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,986
−HK$2,788/mo
Today · 4.125%
HK$93,774
baseline
▲ 0.50% · 4.625%
HK$99,480
+HK$5,706/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,548/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,167
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,800
−HK$2,671/mo
Today · 4.125%
HK$103,471
baseline
▲ 0.50% · 4.625%
HK$108,925
+HK$5,454/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,942/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,948
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,150
−HK$3,253/mo
Today · 4.125%
HK$109,403
baseline
▲ 0.50% · 4.625%
HK$116,060
+HK$6,657/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,806/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,528
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,600
−HK$3,116/mo
Today · 4.125%
HK$120,716
baseline
▲ 0.50% · 4.625%
HK$127,079
+HK$6,363/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,432/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,361
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$136,479
−HK$4,183/mo
Today · 4.125%
HK$140,662
baseline
▲ 0.50% · 4.625%
HK$149,221
+HK$8,559/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,324/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,251
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$151,200
−HK$4,006/mo
Today · 4.125%
HK$155,206
baseline
▲ 0.50% · 4.625%
HK$163,387
+HK$8,181/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,412/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,548 · Scale 2, in force from 26 Feb 2026)