LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,502
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,820
−HK$2,354/mo
Today · 4.125%
HK$79,174
baseline
▲ 0.50% · 4.625%
HK$83,992
+HK$4,818/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,348/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,883
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,106
−HK$2,255/mo
Today · 4.125%
HK$87,361
baseline
▲ 0.50% · 4.625%
HK$91,966
+HK$4,605/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,722/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,402
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,183
−HK$2,826/mo
Today · 4.125%
HK$95,009
baseline
▲ 0.50% · 4.625%
HK$100,790
+HK$5,781/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$190,018/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,459
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,127
−HK$2,706/mo
Today · 4.125%
HK$104,833
baseline
▲ 0.50% · 4.625%
HK$110,359
+HK$5,526/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,666/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,303
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,547
−HK$3,297/mo
Today · 4.125%
HK$110,844
baseline
▲ 0.50% · 4.625%
HK$117,588
+HK$6,744/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,688/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,036
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,148
−HK$3,157/mo
Today · 4.125%
HK$122,305
baseline
▲ 0.50% · 4.625%
HK$128,752
+HK$6,447/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,610/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,104
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$138,275
−HK$4,238/mo
Today · 4.125%
HK$142,513
baseline
▲ 0.50% · 4.625%
HK$151,185
+HK$8,672/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,026/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,189
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$153,190
−HK$4,059/mo
Today · 4.125%
HK$157,249
baseline
▲ 0.50% · 4.625%
HK$165,538
+HK$8,289/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,498/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,589 · Scale 2, in force from 26 Feb 2026)