LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,839
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,167
−HK$2,365/mo
Today · 4.125%
HK$79,532
baseline
▲ 0.50% · 4.625%
HK$84,371
+HK$4,839/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,064/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,394,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,258
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,491
−HK$2,265/mo
Today · 4.125%
HK$87,756
baseline
▲ 0.50% · 4.625%
HK$92,382
+HK$4,626/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,512/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,394,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,807
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,600
−HK$2,839/mo
Today · 4.125%
HK$95,439
baseline
▲ 0.50% · 4.625%
HK$101,246
+HK$5,807/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,878/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,909
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,589
−HK$2,718/mo
Today · 4.125%
HK$105,307
baseline
▲ 0.50% · 4.625%
HK$110,858
+HK$5,551/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,614/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,775
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,034
−HK$3,311/mo
Today · 4.125%
HK$111,345
baseline
▲ 0.50% · 4.625%
HK$118,120
+HK$6,775/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$222,690/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,561
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,687
−HK$3,171/mo
Today · 4.125%
HK$122,858
baseline
▲ 0.50% · 4.625%
HK$129,334
+HK$6,476/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$245,716/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,710
−HK$8,448/mo
▼ 0.25% · 3.875%
HK$138,901
−HK$4,257/mo
Today · 4.125%
HK$143,158
baseline
▲ 0.50% · 4.625%
HK$151,869
+HK$8,711/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$286,316/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,864
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$153,883
−HK$4,078/mo
Today · 4.125%
HK$157,961
baseline
▲ 0.50% · 4.625%
HK$166,287
+HK$8,326/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$315,922/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,870 · Scale 2, in force from 26 Feb 2026)