LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,978
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,372
−HK$2,433/mo
Today · 4.125%
HK$81,805
baseline
▲ 0.50% · 4.625%
HK$86,783
+HK$4,978/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,610/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,637
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,934
−HK$2,330/mo
Today · 4.125%
HK$90,264
baseline
▲ 0.50% · 4.625%
HK$95,022
+HK$4,758/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,528/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,373
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,247
−HK$2,919/mo
Today · 4.125%
HK$98,166
baseline
▲ 0.50% · 4.625%
HK$104,139
+HK$5,973/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$196,332/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,764
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,520
−HK$2,796/mo
Today · 4.125%
HK$108,316
baseline
▲ 0.50% · 4.625%
HK$114,026
+HK$5,710/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$216,632/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,769
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,121
−HK$3,406/mo
Today · 4.125%
HK$114,527
baseline
▲ 0.50% · 4.625%
HK$121,496
+HK$6,969/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,054/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,892
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,107
−HK$3,262/mo
Today · 4.125%
HK$126,369
baseline
▲ 0.50% · 4.625%
HK$133,030
+HK$6,661/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,738/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,560
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$142,870
−HK$4,379/mo
Today · 4.125%
HK$147,249
baseline
▲ 0.50% · 4.625%
HK$156,209
+HK$8,960/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,498/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,147
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$158,281
−HK$4,194/mo
Today · 4.125%
HK$162,475
baseline
▲ 0.50% · 4.625%
HK$171,039
+HK$8,564/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,950/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,731 · Scale 2, in force from 26 Feb 2026)