LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,993
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,294
−HK$2,339/mo
Today · 4.125%
HK$78,633
baseline
▲ 0.50% · 4.625%
HK$83,417
+HK$4,784/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,266/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,316
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,524
−HK$2,240/mo
Today · 4.125%
HK$86,764
baseline
▲ 0.50% · 4.625%
HK$91,337
+HK$4,573/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,528/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,791
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,553
−HK$2,806/mo
Today · 4.125%
HK$94,359
baseline
▲ 0.50% · 4.625%
HK$100,101
+HK$5,742/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,718/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,780
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,429
−HK$2,687/mo
Today · 4.125%
HK$104,116
baseline
▲ 0.50% · 4.625%
HK$109,604
+HK$5,488/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,232/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,590
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,812
−HK$3,274/mo
Today · 4.125%
HK$110,086
baseline
▲ 0.50% · 4.625%
HK$116,784
+HK$6,698/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,172/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,243
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,334
−HK$3,135/mo
Today · 4.125%
HK$121,469
baseline
▲ 0.50% · 4.625%
HK$127,872
+HK$6,403/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,938/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,187
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$137,330
−HK$4,209/mo
Today · 4.125%
HK$141,539
baseline
▲ 0.50% · 4.625%
HK$150,151
+HK$8,612/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,078/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,169
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,143
−HK$4,031/mo
Today · 4.125%
HK$156,174
baseline
▲ 0.50% · 4.625%
HK$164,407
+HK$8,233/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,348/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,098 · Scale 2, in force from 26 Feb 2026)