LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,079
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,446
−HK$2,404/mo
Today · 4.125%
HK$80,850
baseline
▲ 0.50% · 4.625%
HK$85,770
+HK$4,920/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,700/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,637
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,907
−HK$2,303/mo
Today · 4.125%
HK$89,210
baseline
▲ 0.50% · 4.625%
HK$93,912
+HK$4,702/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,420/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,295
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,135
−HK$2,885/mo
Today · 4.125%
HK$97,020
baseline
▲ 0.50% · 4.625%
HK$102,924
+HK$5,904/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$194,040/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,565
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,289
−HK$2,763/mo
Today · 4.125%
HK$107,052
baseline
▲ 0.50% · 4.625%
HK$112,695
+HK$5,643/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$214,104/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,511
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,824
−HK$3,366/mo
Today · 4.125%
HK$113,190
baseline
▲ 0.50% · 4.625%
HK$120,077
+HK$6,887/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$226,380/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,492
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,670
−HK$3,224/mo
Today · 4.125%
HK$124,894
baseline
▲ 0.50% · 4.625%
HK$131,477
+HK$6,583/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$249,788/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,943
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$141,202
−HK$4,328/mo
Today · 4.125%
HK$145,530
baseline
▲ 0.50% · 4.625%
HK$154,385
+HK$8,855/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$291,060/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,347
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$156,433
−HK$4,145/mo
Today · 4.125%
HK$160,578
baseline
▲ 0.50% · 4.625%
HK$169,042
+HK$8,464/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$321,156/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,985 · Scale 2, in force from 26 Feb 2026)