LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,991
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,386
−HK$2,434/mo
Today · 4.125%
HK$81,820
baseline
▲ 0.50% · 4.625%
HK$86,798
+HK$4,978/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,640/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,652
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,949
−HK$2,331/mo
Today · 4.125%
HK$90,280
baseline
▲ 0.50% · 4.625%
HK$95,039
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,560/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,434,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,390
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,264
−HK$2,919/mo
Today · 4.125%
HK$98,183
baseline
▲ 0.50% · 4.625%
HK$104,158
+HK$5,975/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,366/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,783
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,539
−HK$2,797/mo
Today · 4.125%
HK$108,336
baseline
▲ 0.50% · 4.625%
HK$114,046
+HK$5,710/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,672/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,788
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,141
−HK$3,406/mo
Today · 4.125%
HK$114,547
baseline
▲ 0.50% · 4.625%
HK$121,517
+HK$6,970/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,094/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,913
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,129
−HK$3,263/mo
Today · 4.125%
HK$126,392
baseline
▲ 0.50% · 4.625%
HK$133,054
+HK$6,662/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,784/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,585
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$142,895
−HK$4,380/mo
Today · 4.125%
HK$147,275
baseline
▲ 0.50% · 4.625%
HK$156,237
+HK$8,962/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,550/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,174
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,309
−HK$4,195/mo
Today · 4.125%
HK$162,504
baseline
▲ 0.50% · 4.625%
HK$171,069
+HK$8,565/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,008/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,987 · Scale 2, in force from 26 Feb 2026)