LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,279
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,620
−HK$2,380/mo
Today · 4.125%
HK$80,000
baseline
▲ 0.50% · 4.625%
HK$84,867
+HK$4,867/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,000/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,747
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,993
−HK$2,279/mo
Today · 4.125%
HK$88,272
baseline
▲ 0.50% · 4.625%
HK$92,925
+HK$4,653/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,544/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,335
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,145
−HK$2,854/mo
Today · 4.125%
HK$95,999
baseline
▲ 0.50% · 4.625%
HK$101,841
+HK$5,842/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$191,998/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,496
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,192
−HK$2,734/mo
Today · 4.125%
HK$105,926
baseline
▲ 0.50% · 4.625%
HK$111,509
+HK$5,583/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$211,852/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,390
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,669
−HK$3,330/mo
Today · 4.125%
HK$111,999
baseline
▲ 0.50% · 4.625%
HK$118,814
+HK$6,815/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$223,998/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,246
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,390
−HK$3,190/mo
Today · 4.125%
HK$123,580
baseline
▲ 0.50% · 4.625%
HK$130,094
+HK$6,514/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$247,160/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,502
−HK$8,497/mo
▼ 0.25% · 3.875%
HK$139,717
−HK$4,282/mo
Today · 4.125%
HK$143,999
baseline
▲ 0.50% · 4.625%
HK$152,761
+HK$8,762/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$287,998/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,745
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$154,788
−HK$4,101/mo
Today · 4.125%
HK$158,889
baseline
▲ 0.50% · 4.625%
HK$167,264
+HK$8,375/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$317,778/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,403,068 · Scale 2, in force from 26 Feb 2026)