LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,113
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,449
−HK$2,374/mo
Today · 4.125%
HK$79,823
baseline
▲ 0.50% · 4.625%
HK$84,680
+HK$4,857/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,646/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,562
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,804
−HK$2,273/mo
Today · 4.125%
HK$88,077
baseline
▲ 0.50% · 4.625%
HK$92,720
+HK$4,643/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,154/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,136
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,939
−HK$2,849/mo
Today · 4.125%
HK$95,788
baseline
▲ 0.50% · 4.625%
HK$101,616
+HK$5,828/mo
Deposit HK$13.18M · loan HK$19.76M · min. income ≈ HK$191,576/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,399,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,275
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,964
−HK$2,728/mo
Today · 4.125%
HK$105,692
baseline
▲ 0.50% · 4.625%
HK$111,264
+HK$5,572/mo
Deposit HK$13.18M · loan HK$19.76M · min. income ≈ HK$211,384/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,399,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,158
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,429
−HK$3,323/mo
Today · 4.125%
HK$111,752
baseline
▲ 0.50% · 4.625%
HK$118,552
+HK$6,800/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,504/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,987
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,125
−HK$3,183/mo
Today · 4.125%
HK$123,308
baseline
▲ 0.50% · 4.625%
HK$129,808
+HK$6,500/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,616/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,203
−HK$8,479/mo
▼ 0.25% · 3.875%
HK$139,409
−HK$4,273/mo
Today · 4.125%
HK$143,682
baseline
▲ 0.50% · 4.625%
HK$152,424
+HK$8,742/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,364/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,412
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$154,446
−HK$4,093/mo
Today · 4.125%
HK$158,539
baseline
▲ 0.50% · 4.625%
HK$166,895
+HK$8,356/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,078/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,975 · Scale 2, in force from 26 Feb 2026)