LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,770
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,158
−HK$2,426/mo
Today · 4.125%
HK$81,584
baseline
▲ 0.50% · 4.625%
HK$86,548
+HK$4,964/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$163,168/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,406
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,696
−HK$2,324/mo
Today · 4.125%
HK$90,020
baseline
▲ 0.50% · 4.625%
HK$94,765
+HK$4,745/mo
Deposit HK$16.83M · loan HK$16.83M · min. income ≈ HK$180,040/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,430,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,124
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,989
−HK$2,912/mo
Today · 4.125%
HK$97,901
baseline
▲ 0.50% · 4.625%
HK$103,858
+HK$5,957/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,802/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,487
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,235
−HK$2,789/mo
Today · 4.125%
HK$108,024
baseline
▲ 0.50% · 4.625%
HK$113,718
+HK$5,694/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,048/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,430,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,478
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,821
−HK$3,397/mo
Today · 4.125%
HK$114,218
baseline
▲ 0.50% · 4.625%
HK$121,167
+HK$6,949/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,436/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,568
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,775
−HK$3,253/mo
Today · 4.125%
HK$126,028
baseline
▲ 0.50% · 4.625%
HK$132,671
+HK$6,643/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,056/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,430,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,186
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$142,484
−HK$4,367/mo
Today · 4.125%
HK$146,851
baseline
▲ 0.50% · 4.625%
HK$155,787
+HK$8,936/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$293,702/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,730
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$157,853
−HK$4,183/mo
Today · 4.125%
HK$162,036
baseline
▲ 0.50% · 4.625%
HK$170,577
+HK$8,541/mo
Deposit HK$3.37M · loan HK$30.30M · min. income ≈ HK$324,072/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,430,856 · Scale 2, in force from 26 Feb 2026)