LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,683
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,068
−HK$2,423/mo
Today · 4.125%
HK$81,491
baseline
▲ 0.50% · 4.625%
HK$86,450
+HK$4,959/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$162,982/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,429,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,309
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,597
−HK$2,321/mo
Today · 4.125%
HK$89,918
baseline
▲ 0.50% · 4.625%
HK$94,657
+HK$4,739/mo
Deposit HK$16.81M · loan HK$16.81M · min. income ≈ HK$179,836/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,429,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,019
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,882
−HK$2,908/mo
Today · 4.125%
HK$97,790
baseline
▲ 0.50% · 4.625%
HK$103,740
+HK$5,950/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$195,580/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,370
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,116
−HK$2,785/mo
Today · 4.125%
HK$107,901
baseline
▲ 0.50% · 4.625%
HK$113,589
+HK$5,688/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$215,802/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,356
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$110,695
−HK$3,393/mo
Today · 4.125%
HK$114,088
baseline
▲ 0.50% · 4.625%
HK$121,030
+HK$6,942/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,176/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,432
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,635
−HK$3,250/mo
Today · 4.125%
HK$125,885
baseline
▲ 0.50% · 4.625%
HK$132,520
+HK$6,635/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,770/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,029
−HK$8,656/mo
▼ 0.25% · 3.875%
HK$142,322
−HK$4,363/mo
Today · 4.125%
HK$146,685
baseline
▲ 0.50% · 4.625%
HK$155,610
+HK$8,925/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,370/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,556
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$157,674
−HK$4,178/mo
Today · 4.125%
HK$161,852
baseline
▲ 0.50% · 4.625%
HK$170,383
+HK$8,531/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,704/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,232 · Scale 2, in force from 26 Feb 2026)