LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,320
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,632
−HK$2,349/mo
Today · 4.125%
HK$78,981
baseline
▲ 0.50% · 4.625%
HK$83,786
+HK$4,805/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$157,962/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,680
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,898
−HK$2,249/mo
Today · 4.125%
HK$87,147
baseline
▲ 0.50% · 4.625%
HK$91,741
+HK$4,594/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,294/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,184
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,958
−HK$2,819/mo
Today · 4.125%
HK$94,777
baseline
▲ 0.50% · 4.625%
HK$100,544
+HK$5,767/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,554/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,217
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,877
−HK$2,700/mo
Today · 4.125%
HK$104,577
baseline
▲ 0.50% · 4.625%
HK$110,089
+HK$5,512/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,154/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,048
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,285
−HK$3,288/mo
Today · 4.125%
HK$110,573
baseline
▲ 0.50% · 4.625%
HK$117,301
+HK$6,728/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,146/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,753
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,857
−HK$3,149/mo
Today · 4.125%
HK$122,006
baseline
▲ 0.50% · 4.625%
HK$128,437
+HK$6,431/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,012/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,776
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$137,937
−HK$4,228/mo
Today · 4.125%
HK$142,165
baseline
▲ 0.50% · 4.625%
HK$150,816
+HK$8,651/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,330/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,825
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,816
−HK$4,049/mo
Today · 4.125%
HK$156,865
baseline
▲ 0.50% · 4.625%
HK$165,134
+HK$8,269/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,730/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,198 · Scale 2, in force from 26 Feb 2026)