LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,382
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,727
−HK$2,382/mo
Today · 4.125%
HK$80,109
baseline
▲ 0.50% · 4.625%
HK$84,984
+HK$4,875/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,218/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,862
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,111
−HK$2,281/mo
Today · 4.125%
HK$88,392
baseline
▲ 0.50% · 4.625%
HK$93,052
+HK$4,660/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,784/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,458
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,272
−HK$2,859/mo
Today · 4.125%
HK$96,131
baseline
▲ 0.50% · 4.625%
HK$101,980
+HK$5,849/mo
Deposit HK$13.22M · loan HK$19.84M · min. income ≈ HK$192,262/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,634
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,333
−HK$2,738/mo
Today · 4.125%
HK$106,071
baseline
▲ 0.50% · 4.625%
HK$111,662
+HK$5,591/mo
Deposit HK$13.22M · loan HK$19.84M · min. income ≈ HK$212,142/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,404,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,535
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,817
−HK$3,336/mo
Today · 4.125%
HK$112,153
baseline
▲ 0.50% · 4.625%
HK$118,977
+HK$6,824/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$224,306/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,406
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,555
−HK$3,194/mo
Today · 4.125%
HK$123,749
baseline
▲ 0.50% · 4.625%
HK$130,272
+HK$6,523/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$247,498/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,688
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$139,908
−HK$4,288/mo
Today · 4.125%
HK$144,196
baseline
▲ 0.50% · 4.625%
HK$152,970
+HK$8,774/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$288,392/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,951
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$154,999
−HK$4,107/mo
Today · 4.125%
HK$159,106
baseline
▲ 0.50% · 4.625%
HK$167,493
+HK$8,387/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$318,212/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,988 · Scale 2, in force from 26 Feb 2026)