LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,682
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,037
−HK$2,391/mo
Today · 4.125%
HK$80,428
baseline
▲ 0.50% · 4.625%
HK$85,322
+HK$4,894/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,856/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,196
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,454
−HK$2,291/mo
Today · 4.125%
HK$88,745
baseline
▲ 0.50% · 4.625%
HK$93,423
+HK$4,678/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,490/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,819
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,644
−HK$2,870/mo
Today · 4.125%
HK$96,514
baseline
▲ 0.50% · 4.625%
HK$102,387
+HK$5,873/mo
Deposit HK$13.28M · loan HK$19.91M · min. income ≈ HK$193,028/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,035
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,745
−HK$2,749/mo
Today · 4.125%
HK$106,494
baseline
▲ 0.50% · 4.625%
HK$112,107
+HK$5,613/mo
Deposit HK$13.28M · loan HK$19.91M · min. income ≈ HK$212,988/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,955
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,251
−HK$3,349/mo
Today · 4.125%
HK$112,600
baseline
▲ 0.50% · 4.625%
HK$119,451
+HK$6,851/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$225,200/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,874
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,036
−HK$3,207/mo
Today · 4.125%
HK$124,243
baseline
▲ 0.50% · 4.625%
HK$130,792
+HK$6,549/mo
Deposit HK$9.96M · loan HK$23.23M · min. income ≈ HK$248,486/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,228
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$140,466
−HK$4,305/mo
Today · 4.125%
HK$144,771
baseline
▲ 0.50% · 4.625%
HK$153,580
+HK$8,809/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$289,542/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,553
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$155,617
−HK$4,124/mo
Today · 4.125%
HK$159,741
baseline
▲ 0.50% · 4.625%
HK$168,161
+HK$8,420/mo
Deposit HK$3.32M · loan HK$29.87M · min. income ≈ HK$319,482/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,589 · Scale 2, in force from 26 Feb 2026)