LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,758
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,146
−HK$2,426/mo
Today · 4.125%
HK$81,572
baseline
▲ 0.50% · 4.625%
HK$86,535
+HK$4,963/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,144/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,393
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,683
−HK$2,323/mo
Today · 4.125%
HK$90,006
baseline
▲ 0.50% · 4.625%
HK$94,751
+HK$4,745/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,012/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,110
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,975
−HK$2,911/mo
Today · 4.125%
HK$97,886
baseline
▲ 0.50% · 4.625%
HK$103,842
+HK$5,956/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$195,772/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,472
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,220
−HK$2,788/mo
Today · 4.125%
HK$108,008
baseline
▲ 0.50% · 4.625%
HK$113,701
+HK$5,693/mo
Deposit HK$13.46M · loan HK$20.20M · min. income ≈ HK$216,016/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,462
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,804
−HK$3,397/mo
Today · 4.125%
HK$114,201
baseline
▲ 0.50% · 4.625%
HK$121,149
+HK$6,948/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$228,402/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,550
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,756
−HK$3,253/mo
Today · 4.125%
HK$126,009
baseline
▲ 0.50% · 4.625%
HK$132,651
+HK$6,642/mo
Deposit HK$10.10M · loan HK$23.56M · min. income ≈ HK$252,018/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,165
−HK$8,664/mo
▼ 0.25% · 3.875%
HK$142,463
−HK$4,366/mo
Today · 4.125%
HK$146,829
baseline
▲ 0.50% · 4.625%
HK$155,764
+HK$8,935/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,658/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,707
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$157,830
−HK$4,182/mo
Today · 4.125%
HK$162,012
baseline
▲ 0.50% · 4.625%
HK$170,551
+HK$8,539/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,024/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,643 · Scale 2, in force from 26 Feb 2026)