LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,092
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,459
−HK$2,405/mo
Today · 4.125%
HK$80,864
baseline
▲ 0.50% · 4.625%
HK$85,784
+HK$4,920/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,728/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,651
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,922
−HK$2,303/mo
Today · 4.125%
HK$89,225
baseline
▲ 0.50% · 4.625%
HK$93,928
+HK$4,703/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,450/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,418,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,310
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,151
−HK$2,885/mo
Today · 4.125%
HK$97,036
baseline
▲ 0.50% · 4.625%
HK$102,941
+HK$5,905/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$194,072/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,582
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,306
−HK$2,764/mo
Today · 4.125%
HK$107,070
baseline
▲ 0.50% · 4.625%
HK$112,714
+HK$5,644/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$214,140/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,418,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,529
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,842
−HK$3,367/mo
Today · 4.125%
HK$113,209
baseline
▲ 0.50% · 4.625%
HK$120,097
+HK$6,888/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$226,418/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,512
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,691
−HK$3,224/mo
Today · 4.125%
HK$124,915
baseline
▲ 0.50% · 4.625%
HK$131,499
+HK$6,584/mo
Deposit HK$10.01M · loan HK$23.36M · min. income ≈ HK$249,830/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,418,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,965
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$141,226
−HK$4,328/mo
Today · 4.125%
HK$145,554
baseline
▲ 0.50% · 4.625%
HK$154,411
+HK$8,857/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$291,108/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,373
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$156,459
−HK$4,146/mo
Today · 4.125%
HK$160,605
baseline
▲ 0.50% · 4.625%
HK$169,071
+HK$8,466/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$321,210/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,418,221 · Scale 2, in force from 26 Feb 2026)