LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,651
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,004
−HK$2,391/mo
Today · 4.125%
HK$80,395
baseline
▲ 0.50% · 4.625%
HK$85,287
+HK$4,892/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,790/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,161
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,418
−HK$2,290/mo
Today · 4.125%
HK$88,708
baseline
▲ 0.50% · 4.625%
HK$93,384
+HK$4,676/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,416/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,410,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,781
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,605
−HK$2,869/mo
Today · 4.125%
HK$96,474
baseline
▲ 0.50% · 4.625%
HK$102,344
+HK$5,870/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$192,948/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,993
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$103,702
−HK$2,748/mo
Today · 4.125%
HK$106,450
baseline
▲ 0.50% · 4.625%
HK$112,061
+HK$5,611/mo
Deposit HK$13.27M · loan HK$19.91M · min. income ≈ HK$212,900/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,410,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,911
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,206
−HK$3,347/mo
Today · 4.125%
HK$112,553
baseline
▲ 0.50% · 4.625%
HK$119,402
+HK$6,849/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$225,106/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,825
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,985
−HK$3,206/mo
Today · 4.125%
HK$124,191
baseline
▲ 0.50% · 4.625%
HK$130,737
+HK$6,546/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$248,382/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,410,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,172
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$140,407
−HK$4,304/mo
Today · 4.125%
HK$144,711
baseline
▲ 0.50% · 4.625%
HK$153,516
+HK$8,805/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,422/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,490
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$155,553
−HK$4,121/mo
Today · 4.125%
HK$159,674
baseline
▲ 0.50% · 4.625%
HK$168,091
+HK$8,417/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,348/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,003 · Scale 2, in force from 26 Feb 2026)