LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,195
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,503
−HK$2,345/mo
Today · 4.125%
HK$78,848
baseline
▲ 0.50% · 4.625%
HK$83,646
+HK$4,798/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,696/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,541
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,755
−HK$2,246/mo
Today · 4.125%
HK$87,001
baseline
▲ 0.50% · 4.625%
HK$91,587
+HK$4,586/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$174,002/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,034
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,804
−HK$2,813/mo
Today · 4.125%
HK$94,617
baseline
▲ 0.50% · 4.625%
HK$100,375
+HK$5,758/mo
Deposit HK$13.02M · loan HK$19.52M · min. income ≈ HK$189,234/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,050
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,706
−HK$2,695/mo
Today · 4.125%
HK$104,401
baseline
▲ 0.50% · 4.625%
HK$109,904
+HK$5,503/mo
Deposit HK$13.02M · loan HK$19.52M · min. income ≈ HK$208,802/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,873
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,104
−HK$3,283/mo
Today · 4.125%
HK$110,387
baseline
▲ 0.50% · 4.625%
HK$117,104
+HK$6,717/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$220,774/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,558
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,657
−HK$3,144/mo
Today · 4.125%
HK$121,801
baseline
▲ 0.50% · 4.625%
HK$128,221
+HK$6,420/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$243,602/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,551
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$137,705
−HK$4,221/mo
Today · 4.125%
HK$141,926
baseline
▲ 0.50% · 4.625%
HK$150,562
+HK$8,636/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$283,852/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,574
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$152,559
−HK$4,042/mo
Today · 4.125%
HK$156,601
baseline
▲ 0.50% · 4.625%
HK$164,856
+HK$8,255/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$313,202/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,868 · Scale 2, in force from 26 Feb 2026)