LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,786
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,112
−HK$2,363/mo
Today · 4.125%
HK$79,475
baseline
▲ 0.50% · 4.625%
HK$84,311
+HK$4,836/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,950/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,198
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,430
−HK$2,263/mo
Today · 4.125%
HK$87,693
baseline
▲ 0.50% · 4.625%
HK$92,316
+HK$4,623/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,386/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,743
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,534
−HK$2,836/mo
Today · 4.125%
HK$95,370
baseline
▲ 0.50% · 4.625%
HK$101,174
+HK$5,804/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,740/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,838
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,516
−HK$2,716/mo
Today · 4.125%
HK$105,232
baseline
▲ 0.50% · 4.625%
HK$110,779
+HK$5,547/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,464/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,700
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,957
−HK$3,309/mo
Today · 4.125%
HK$111,266
baseline
▲ 0.50% · 4.625%
HK$118,036
+HK$6,770/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,532/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,478
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,602
−HK$3,169/mo
Today · 4.125%
HK$122,771
baseline
▲ 0.50% · 4.625%
HK$129,242
+HK$6,471/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,542/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,614
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,801
−HK$4,255/mo
Today · 4.125%
HK$143,056
baseline
▲ 0.50% · 4.625%
HK$151,760
+HK$8,704/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,112/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,757
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$153,773
−HK$4,075/mo
Today · 4.125%
HK$157,848
baseline
▲ 0.50% · 4.625%
HK$166,168
+HK$8,320/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,696/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,875 · Scale 2, in force from 26 Feb 2026)