LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,861
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,252
−HK$2,429/mo
Today · 4.125%
HK$81,681
baseline
▲ 0.50% · 4.625%
HK$86,651
+HK$4,970/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$163,362/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,507
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,800
−HK$2,327/mo
Today · 4.125%
HK$90,127
baseline
▲ 0.50% · 4.625%
HK$94,877
+HK$4,750/mo
Deposit HK$16.85M · loan HK$16.85M · min. income ≈ HK$180,254/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,432,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,233
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,102
−HK$2,915/mo
Today · 4.125%
HK$98,017
baseline
▲ 0.50% · 4.625%
HK$103,981
+HK$5,964/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$196,034/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,608
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,360
−HK$2,792/mo
Today · 4.125%
HK$108,152
baseline
▲ 0.50% · 4.625%
HK$113,853
+HK$5,701/mo
Deposit HK$13.48M · loan HK$20.22M · min. income ≈ HK$216,304/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,432,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,605
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,952
−HK$3,401/mo
Today · 4.125%
HK$114,353
baseline
▲ 0.50% · 4.625%
HK$121,311
+HK$6,958/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$228,706/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,710
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,920
−HK$3,257/mo
Today · 4.125%
HK$126,177
baseline
▲ 0.50% · 4.625%
HK$132,828
+HK$6,651/mo
Deposit HK$10.11M · loan HK$23.59M · min. income ≈ HK$252,354/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,432,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,349
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$142,653
−HK$4,372/mo
Today · 4.125%
HK$147,025
baseline
▲ 0.50% · 4.625%
HK$155,971
+HK$8,946/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$294,050/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,912
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$158,040
−HK$4,188/mo
Today · 4.125%
HK$162,228
baseline
▲ 0.50% · 4.625%
HK$170,779
+HK$8,551/mo
Deposit HK$3.37M · loan HK$30.34M · min. income ≈ HK$324,456/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,432,552 · Scale 2, in force from 26 Feb 2026)