LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,991
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,292
−HK$2,339/mo
Today · 4.125%
HK$78,631
baseline
▲ 0.50% · 4.625%
HK$83,415
+HK$4,784/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,262/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,314
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,522
−HK$2,239/mo
Today · 4.125%
HK$86,761
baseline
▲ 0.50% · 4.625%
HK$91,335
+HK$4,574/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,522/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,789
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,551
−HK$2,806/mo
Today · 4.125%
HK$94,357
baseline
▲ 0.50% · 4.625%
HK$100,098
+HK$5,741/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,714/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,777
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,426
−HK$2,688/mo
Today · 4.125%
HK$104,114
baseline
▲ 0.50% · 4.625%
HK$109,602
+HK$5,488/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,228/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,587
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,809
−HK$3,274/mo
Today · 4.125%
HK$110,083
baseline
▲ 0.50% · 4.625%
HK$116,781
+HK$6,698/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,166/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,240
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,331
−HK$3,135/mo
Today · 4.125%
HK$121,466
baseline
▲ 0.50% · 4.625%
HK$127,869
+HK$6,403/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,932/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,184
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,326
−HK$4,209/mo
Today · 4.125%
HK$141,535
baseline
▲ 0.50% · 4.625%
HK$150,148
+HK$8,613/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,070/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,165
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,139
−HK$4,031/mo
Today · 4.125%
HK$156,170
baseline
▲ 0.50% · 4.625%
HK$164,402
+HK$8,232/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,340/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,062 · Scale 2, in force from 26 Feb 2026)