LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,548
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,867
−HK$2,356/mo
Today · 4.125%
HK$79,223
baseline
▲ 0.50% · 4.625%
HK$84,044
+HK$4,821/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,446/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,934
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,159
−HK$2,256/mo
Today · 4.125%
HK$87,415
baseline
▲ 0.50% · 4.625%
HK$92,023
+HK$4,608/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,830/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,458
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,241
−HK$2,827/mo
Today · 4.125%
HK$95,068
baseline
▲ 0.50% · 4.625%
HK$100,853
+HK$5,785/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$190,136/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,521
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,190
−HK$2,708/mo
Today · 4.125%
HK$104,898
baseline
▲ 0.50% · 4.625%
HK$110,427
+HK$5,529/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$209,796/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,368
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,614
−HK$3,299/mo
Today · 4.125%
HK$110,913
baseline
▲ 0.50% · 4.625%
HK$117,661
+HK$6,748/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$221,826/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,108
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,222
−HK$3,159/mo
Today · 4.125%
HK$122,381
baseline
▲ 0.50% · 4.625%
HK$128,832
+HK$6,451/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$244,762/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,187
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$138,361
−HK$4,241/mo
Today · 4.125%
HK$142,602
baseline
▲ 0.50% · 4.625%
HK$151,279
+HK$8,677/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,204/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,282
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$153,286
−HK$4,061/mo
Today · 4.125%
HK$157,347
baseline
▲ 0.50% · 4.625%
HK$165,641
+HK$8,294/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,694/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,454 · Scale 2, in force from 26 Feb 2026)