LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,734
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,121
−HK$2,425/mo
Today · 4.125%
HK$81,546
baseline
▲ 0.50% · 4.625%
HK$86,507
+HK$4,961/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,092/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,366
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,655
−HK$2,323/mo
Today · 4.125%
HK$89,978
baseline
▲ 0.50% · 4.625%
HK$94,720
+HK$4,742/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$179,956/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,080
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,945
−HK$2,910/mo
Today · 4.125%
HK$97,855
baseline
▲ 0.50% · 4.625%
HK$103,809
+HK$5,954/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$195,710/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,439
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,186
−HK$2,787/mo
Today · 4.125%
HK$107,973
baseline
▲ 0.50% · 4.625%
HK$113,664
+HK$5,691/mo
Deposit HK$13.46M · loan HK$20.19M · min. income ≈ HK$215,946/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,430,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,427
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,769
−HK$3,395/mo
Today · 4.125%
HK$114,164
baseline
▲ 0.50% · 4.625%
HK$121,110
+HK$6,946/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,328/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,512
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,717
−HK$3,252/mo
Today · 4.125%
HK$125,969
baseline
▲ 0.50% · 4.625%
HK$132,609
+HK$6,640/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$251,938/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,121
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$142,417
−HK$4,365/mo
Today · 4.125%
HK$146,782
baseline
▲ 0.50% · 4.625%
HK$155,713
+HK$8,931/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$293,564/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,658
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$157,779
−HK$4,181/mo
Today · 4.125%
HK$161,960
baseline
▲ 0.50% · 4.625%
HK$170,497
+HK$8,537/mo
Deposit HK$3.37M · loan HK$30.29M · min. income ≈ HK$323,920/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,183 · Scale 2, in force from 26 Feb 2026)