LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,757
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,145
−HK$2,426/mo
Today · 4.125%
HK$81,571
baseline
▲ 0.50% · 4.625%
HK$86,534
+HK$4,963/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,142/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,392
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,682
−HK$2,323/mo
Today · 4.125%
HK$90,005
baseline
▲ 0.50% · 4.625%
HK$94,750
+HK$4,745/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,010/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,109
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,974
−HK$2,911/mo
Today · 4.125%
HK$97,885
baseline
▲ 0.50% · 4.625%
HK$103,841
+HK$5,956/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$195,770/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,470
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,219
−HK$2,787/mo
Today · 4.125%
HK$108,006
baseline
▲ 0.50% · 4.625%
HK$113,700
+HK$5,694/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$216,012/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,460
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,803
−HK$3,396/mo
Today · 4.125%
HK$114,199
baseline
▲ 0.50% · 4.625%
HK$121,148
+HK$6,949/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,398/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,549
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,755
−HK$3,253/mo
Today · 4.125%
HK$126,008
baseline
▲ 0.50% · 4.625%
HK$132,650
+HK$6,642/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$252,016/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,163
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$142,461
−HK$4,367/mo
Today · 4.125%
HK$146,828
baseline
▲ 0.50% · 4.625%
HK$155,762
+HK$8,934/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,656/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,705
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$157,828
−HK$4,182/mo
Today · 4.125%
HK$162,010
baseline
▲ 0.50% · 4.625%
HK$170,549
+HK$8,539/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,020/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,626 · Scale 2, in force from 26 Feb 2026)