LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,699
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,054
−HK$2,392/mo
Today · 4.125%
HK$80,446
baseline
▲ 0.50% · 4.625%
HK$85,341
+HK$4,895/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$160,892/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,215
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,473
−HK$2,292/mo
Today · 4.125%
HK$88,765
baseline
▲ 0.50% · 4.625%
HK$93,444
+HK$4,679/mo
Deposit HK$16.60M · loan HK$16.60M · min. income ≈ HK$177,530/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,410,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,839
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,665
−HK$2,871/mo
Today · 4.125%
HK$96,536
baseline
▲ 0.50% · 4.625%
HK$102,410
+HK$5,874/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$193,072/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,058
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,768
−HK$2,750/mo
Today · 4.125%
HK$106,518
baseline
▲ 0.50% · 4.625%
HK$112,132
+HK$5,614/mo
Deposit HK$13.28M · loan HK$19.92M · min. income ≈ HK$213,036/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,410,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,979
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,276
−HK$3,349/mo
Today · 4.125%
HK$112,625
baseline
▲ 0.50% · 4.625%
HK$119,478
+HK$6,853/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$225,250/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,901
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,063
−HK$3,208/mo
Today · 4.125%
HK$124,271
baseline
▲ 0.50% · 4.625%
HK$130,821
+HK$6,550/mo
Deposit HK$9.96M · loan HK$23.24M · min. income ≈ HK$248,542/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,410,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,259
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$140,497
−HK$4,307/mo
Today · 4.125%
HK$144,804
baseline
▲ 0.50% · 4.625%
HK$153,614
+HK$8,810/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$289,608/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,587
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$155,652
−HK$4,124/mo
Today · 4.125%
HK$159,776
baseline
▲ 0.50% · 4.625%
HK$168,198
+HK$8,422/mo
Deposit HK$3.32M · loan HK$29.88M · min. income ≈ HK$319,552/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,410,905 · Scale 2, in force from 26 Feb 2026)