LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,971
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,272
−HK$2,338/mo
Today · 4.125%
HK$78,610
baseline
▲ 0.50% · 4.625%
HK$83,393
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,220/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,292
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,499
−HK$2,239/mo
Today · 4.125%
HK$86,738
baseline
▲ 0.50% · 4.625%
HK$91,310
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,476/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,765
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,527
−HK$2,805/mo
Today · 4.125%
HK$94,332
baseline
▲ 0.50% · 4.625%
HK$100,072
+HK$5,740/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$188,664/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,751
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,399
−HK$2,687/mo
Today · 4.125%
HK$104,086
baseline
▲ 0.50% · 4.625%
HK$109,572
+HK$5,486/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$208,172/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,560
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,781
−HK$3,273/mo
Today · 4.125%
HK$110,054
baseline
▲ 0.50% · 4.625%
HK$116,750
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,108/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,209
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,299
−HK$3,135/mo
Today · 4.125%
HK$121,434
baseline
▲ 0.50% · 4.625%
HK$127,834
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,868/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,148
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,290
−HK$4,208/mo
Today · 4.125%
HK$141,498
baseline
▲ 0.50% · 4.625%
HK$150,108
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$282,996/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,126
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,099
−HK$4,030/mo
Today · 4.125%
HK$156,129
baseline
▲ 0.50% · 4.625%
HK$164,359
+HK$8,230/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,258/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,695 · Scale 2, in force from 26 Feb 2026)