LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,470
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,786
−HK$2,354/mo
Today · 4.125%
HK$79,140
baseline
▲ 0.50% · 4.625%
HK$83,955
+HK$4,815/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,280/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,847
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,069
−HK$2,254/mo
Today · 4.125%
HK$87,323
baseline
▲ 0.50% · 4.625%
HK$91,926
+HK$4,603/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,646/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,364
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,143
−HK$2,825/mo
Today · 4.125%
HK$94,968
baseline
▲ 0.50% · 4.625%
HK$100,746
+HK$5,778/mo
Deposit HK$13.06M · loan HK$19.60M · min. income ≈ HK$189,936/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,416
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,083
−HK$2,704/mo
Today · 4.125%
HK$104,787
baseline
▲ 0.50% · 4.625%
HK$110,311
+HK$5,524/mo
Deposit HK$13.06M · loan HK$19.60M · min. income ≈ HK$209,574/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,258
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,501
−HK$3,295/mo
Today · 4.125%
HK$110,796
baseline
▲ 0.50% · 4.625%
HK$117,537
+HK$6,741/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,592/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,387,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,986
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,096
−HK$3,156/mo
Today · 4.125%
HK$122,252
baseline
▲ 0.50% · 4.625%
HK$128,696
+HK$6,444/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,504/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,387,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,046
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,215
−HK$4,236/mo
Today · 4.125%
HK$142,451
baseline
▲ 0.50% · 4.625%
HK$151,119
+HK$8,668/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,902/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,124
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$153,124
−HK$4,057/mo
Today · 4.125%
HK$157,181
baseline
▲ 0.50% · 4.625%
HK$165,466
+HK$8,285/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,362/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,988 · Scale 2, in force from 26 Feb 2026)