LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,973
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,274
−HK$2,338/mo
Today · 4.125%
HK$78,612
baseline
▲ 0.50% · 4.625%
HK$83,395
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,224/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,294
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,501
−HK$2,239/mo
Today · 4.125%
HK$86,740
baseline
▲ 0.50% · 4.625%
HK$91,312
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,480/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,767
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,529
−HK$2,805/mo
Today · 4.125%
HK$94,334
baseline
▲ 0.50% · 4.625%
HK$100,074
+HK$5,740/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$188,668/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,753
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,401
−HK$2,687/mo
Today · 4.125%
HK$104,088
baseline
▲ 0.50% · 4.625%
HK$109,575
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$208,176/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,562
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,783
−HK$3,273/mo
Today · 4.125%
HK$110,056
baseline
▲ 0.50% · 4.625%
HK$116,753
+HK$6,697/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,112/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,212
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,301
−HK$3,135/mo
Today · 4.125%
HK$121,436
baseline
▲ 0.50% · 4.625%
HK$127,837
+HK$6,401/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,872/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,151
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,293
−HK$4,208/mo
Today · 4.125%
HK$141,501
baseline
▲ 0.50% · 4.625%
HK$150,111
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,002/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,129
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,102
−HK$4,030/mo
Today · 4.125%
HK$156,132
baseline
▲ 0.50% · 4.625%
HK$164,362
+HK$8,230/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,264/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,724 · Scale 2, in force from 26 Feb 2026)