LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,794
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,120
−HK$2,364/mo
Today · 4.125%
HK$79,484
baseline
▲ 0.50% · 4.625%
HK$84,320
+HK$4,836/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,968/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,207
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,439
−HK$2,264/mo
Today · 4.125%
HK$87,703
baseline
▲ 0.50% · 4.625%
HK$92,326
+HK$4,623/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,406/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,752
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,544
−HK$2,837/mo
Today · 4.125%
HK$95,381
baseline
▲ 0.50% · 4.625%
HK$101,184
+HK$5,803/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,762/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,849
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,527
−HK$2,716/mo
Today · 4.125%
HK$105,243
baseline
▲ 0.50% · 4.625%
HK$110,791
+HK$5,548/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,486/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,711
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,968
−HK$3,310/mo
Today · 4.125%
HK$111,278
baseline
▲ 0.50% · 4.625%
HK$118,048
+HK$6,770/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,556/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,490
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,614
−HK$3,170/mo
Today · 4.125%
HK$122,784
baseline
▲ 0.50% · 4.625%
HK$129,256
+HK$6,472/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,568/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,629
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,816
−HK$4,255/mo
Today · 4.125%
HK$143,071
baseline
▲ 0.50% · 4.625%
HK$151,777
+HK$8,706/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,142/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,773
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,790
−HK$4,075/mo
Today · 4.125%
HK$157,865
baseline
▲ 0.50% · 4.625%
HK$166,186
+HK$8,321/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,730/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,025 · Scale 2, in force from 26 Feb 2026)