LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,505
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,822
−HK$2,355/mo
Today · 4.125%
HK$79,177
baseline
▲ 0.50% · 4.625%
HK$83,995
+HK$4,818/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,354/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,886
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,109
−HK$2,255/mo
Today · 4.125%
HK$87,364
baseline
▲ 0.50% · 4.625%
HK$91,969
+HK$4,605/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,728/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,406
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,187
−HK$2,825/mo
Today · 4.125%
HK$95,012
baseline
▲ 0.50% · 4.625%
HK$100,793
+HK$5,781/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$190,024/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,463
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,130
−HK$2,707/mo
Today · 4.125%
HK$104,837
baseline
▲ 0.50% · 4.625%
HK$110,363
+HK$5,526/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,674/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,307
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,551
−HK$3,297/mo
Today · 4.125%
HK$110,848
baseline
▲ 0.50% · 4.625%
HK$117,592
+HK$6,744/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,696/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,040
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,152
−HK$3,157/mo
Today · 4.125%
HK$122,309
baseline
▲ 0.50% · 4.625%
HK$128,756
+HK$6,447/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,618/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,109
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$138,280
−HK$4,238/mo
Today · 4.125%
HK$142,518
baseline
▲ 0.50% · 4.625%
HK$151,190
+HK$8,672/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,036/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,194
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$153,196
−HK$4,059/mo
Today · 4.125%
HK$157,255
baseline
▲ 0.50% · 4.625%
HK$165,544
+HK$8,289/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,510/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,639 · Scale 2, in force from 26 Feb 2026)