LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,969
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,270
−HK$2,338/mo
Today · 4.125%
HK$78,608
baseline
▲ 0.50% · 4.625%
HK$83,391
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,216/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,290
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,497
−HK$2,239/mo
Today · 4.125%
HK$86,736
baseline
▲ 0.50% · 4.625%
HK$91,308
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,472/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,763
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,524
−HK$2,806/mo
Today · 4.125%
HK$94,330
baseline
▲ 0.50% · 4.625%
HK$100,069
+HK$5,739/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$188,660/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,748
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,397
−HK$2,686/mo
Today · 4.125%
HK$104,083
baseline
▲ 0.50% · 4.625%
HK$109,570
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$208,166/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,557
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,778
−HK$3,273/mo
Today · 4.125%
HK$110,051
baseline
▲ 0.50% · 4.625%
HK$116,747
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,102/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,206
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,296
−HK$3,135/mo
Today · 4.125%
HK$121,431
baseline
▲ 0.50% · 4.625%
HK$127,831
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,862/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,145
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,287
−HK$4,207/mo
Today · 4.125%
HK$141,494
baseline
▲ 0.50% · 4.625%
HK$150,104
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$282,988/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,122
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,095
−HK$4,030/mo
Today · 4.125%
HK$156,125
baseline
▲ 0.50% · 4.625%
HK$164,355
+HK$8,230/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,250/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,661 · Scale 2, in force from 26 Feb 2026)