LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,623
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,327/mo
Today · 4.125%
HK$78,240
baseline
▲ 0.50% · 4.625%
HK$83,000
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,480/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,905
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,101
−HK$2,229/mo
Today · 4.125%
HK$86,330
baseline
▲ 0.50% · 4.625%
HK$90,880
+HK$4,550/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,660/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,347
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,095
−HK$2,793/mo
Today · 4.125%
HK$93,888
baseline
▲ 0.50% · 4.625%
HK$99,600
+HK$5,712/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,776/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,286
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,922
−HK$2,674/mo
Today · 4.125%
HK$103,596
baseline
▲ 0.50% · 4.625%
HK$109,056
+HK$5,460/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,192/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,072
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,278
−HK$3,257/mo
Today · 4.125%
HK$109,535
baseline
▲ 0.50% · 4.625%
HK$116,200
+HK$6,665/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$219,070/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,666
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,742
−HK$3,120/mo
Today · 4.125%
HK$120,862
baseline
▲ 0.50% · 4.625%
HK$127,232
+HK$6,370/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$241,724/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,521
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,643
−HK$4,188/mo
Today · 4.125%
HK$140,831
baseline
▲ 0.50% · 4.625%
HK$149,401
+HK$8,570/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$281,662/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,428
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,382
−HK$4,011/mo
Today · 4.125%
HK$155,393
baseline
▲ 0.50% · 4.625%
HK$163,584
+HK$8,191/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$310,786/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,201 · Scale 2, in force from 26 Feb 2026)