LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,532
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,850
−HK$2,356/mo
Today · 4.125%
HK$79,206
baseline
▲ 0.50% · 4.625%
HK$84,025
+HK$4,819/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,412/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,916
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,140
−HK$2,256/mo
Today · 4.125%
HK$87,396
baseline
▲ 0.50% · 4.625%
HK$92,002
+HK$4,606/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,792/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,438
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,220
−HK$2,827/mo
Today · 4.125%
HK$95,047
baseline
▲ 0.50% · 4.625%
HK$100,830
+HK$5,783/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,094/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,499
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,168
−HK$2,707/mo
Today · 4.125%
HK$104,875
baseline
▲ 0.50% · 4.625%
HK$110,403
+HK$5,528/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,750/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,345
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,590
−HK$3,298/mo
Today · 4.125%
HK$110,888
baseline
▲ 0.50% · 4.625%
HK$117,635
+HK$6,747/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,776/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,082
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,195
−HK$3,159/mo
Today · 4.125%
HK$122,354
baseline
▲ 0.50% · 4.625%
HK$128,803
+HK$6,449/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,708/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,157
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,330
−HK$4,240/mo
Today · 4.125%
HK$142,570
baseline
▲ 0.50% · 4.625%
HK$151,245
+HK$8,675/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,140/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,249
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,251
−HK$4,061/mo
Today · 4.125%
HK$157,312
baseline
▲ 0.50% · 4.625%
HK$165,604
+HK$8,292/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,624/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,143 · Scale 2, in force from 26 Feb 2026)