LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,824
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,183
−HK$2,396/mo
Today · 4.125%
HK$80,579
baseline
▲ 0.50% · 4.625%
HK$85,482
+HK$4,903/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,158/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,354
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,616
−HK$2,295/mo
Today · 4.125%
HK$88,911
baseline
▲ 0.50% · 4.625%
HK$93,598
+HK$4,687/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,822/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,989
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,819
−HK$2,876/mo
Today · 4.125%
HK$96,695
baseline
▲ 0.50% · 4.625%
HK$102,579
+HK$5,884/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,390/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,224
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,939
−HK$2,754/mo
Today · 4.125%
HK$106,693
baseline
▲ 0.50% · 4.625%
HK$112,317
+HK$5,624/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,386/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,413,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,154
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,456
−HK$3,355/mo
Today · 4.125%
HK$112,811
baseline
▲ 0.50% · 4.625%
HK$119,675
+HK$6,864/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,622/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,095
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,262
−HK$3,213/mo
Today · 4.125%
HK$124,475
baseline
▲ 0.50% · 4.625%
HK$131,037
+HK$6,562/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$248,950/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,484
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$140,729
−HK$4,313/mo
Today · 4.125%
HK$145,042
baseline
▲ 0.50% · 4.625%
HK$153,868
+HK$8,826/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$290,084/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,837
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$155,909
−HK$4,131/mo
Today · 4.125%
HK$160,040
baseline
▲ 0.50% · 4.625%
HK$168,476
+HK$8,436/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$320,080/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,231 · Scale 2, in force from 26 Feb 2026)