LTV · monthly repayment
▼ 0.50% · 3.625%
HK$75,880
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,240
−HK$2,398/mo
Today · 4.125%
HK$80,638
baseline
▲ 0.50% · 4.625%
HK$85,545
+HK$4,907/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,276/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,416
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,680
−HK$2,296/mo
Today · 4.125%
HK$88,976
baseline
▲ 0.50% · 4.625%
HK$93,666
+HK$4,690/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,952/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,056
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,888
−HK$2,878/mo
Today · 4.125%
HK$96,766
baseline
▲ 0.50% · 4.625%
HK$102,654
+HK$5,888/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$193,532/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,299
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,016
−HK$2,756/mo
Today · 4.125%
HK$106,772
baseline
▲ 0.50% · 4.625%
HK$112,400
+HK$5,628/mo
Deposit HK$13.31M · loan HK$19.97M · min. income ≈ HK$213,544/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,414,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,232
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,536
−HK$3,358/mo
Today · 4.125%
HK$112,894
baseline
▲ 0.50% · 4.625%
HK$119,763
+HK$6,869/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,788/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,182
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,351
−HK$3,216/mo
Today · 4.125%
HK$124,567
baseline
▲ 0.50% · 4.625%
HK$131,133
+HK$6,566/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,134/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,584
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,832
−HK$4,317/mo
Today · 4.125%
HK$145,149
baseline
▲ 0.50% · 4.625%
HK$153,981
+HK$8,832/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,298/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,948
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,023
−HK$4,134/mo
Today · 4.125%
HK$160,157
baseline
▲ 0.50% · 4.625%
HK$168,600
+HK$8,443/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,314/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,269 · Scale 2, in force from 26 Feb 2026)