LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,814
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,173
−HK$2,395/mo
Today · 4.125%
HK$80,568
baseline
▲ 0.50% · 4.625%
HK$85,471
+HK$4,903/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,136/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,343
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,605
−HK$2,294/mo
Today · 4.125%
HK$88,899
baseline
▲ 0.50% · 4.625%
HK$93,585
+HK$4,686/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,798/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,977
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,807
−HK$2,875/mo
Today · 4.125%
HK$96,682
baseline
▲ 0.50% · 4.625%
HK$102,565
+HK$5,883/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,364/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,211
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,926
−HK$2,753/mo
Today · 4.125%
HK$106,679
baseline
▲ 0.50% · 4.625%
HK$112,302
+HK$5,623/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,358/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,140
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,442
−HK$3,354/mo
Today · 4.125%
HK$112,796
baseline
▲ 0.50% · 4.625%
HK$119,659
+HK$6,863/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,592/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,080
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,246
−HK$3,213/mo
Today · 4.125%
HK$124,459
baseline
▲ 0.50% · 4.625%
HK$131,020
+HK$6,561/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,918/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,466
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,711
−HK$4,312/mo
Today · 4.125%
HK$145,023
baseline
▲ 0.50% · 4.625%
HK$153,848
+HK$8,825/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$290,046/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,817
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$155,888
−HK$4,131/mo
Today · 4.125%
HK$160,019
baseline
▲ 0.50% · 4.625%
HK$168,454
+HK$8,435/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$320,038/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,046 · Scale 2, in force from 26 Feb 2026)