LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,995
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,390
−HK$2,433/mo
Today · 4.125%
HK$81,823
baseline
▲ 0.50% · 4.625%
HK$86,802
+HK$4,979/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,646/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,656
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,953
−HK$2,331/mo
Today · 4.125%
HK$90,284
baseline
▲ 0.50% · 4.625%
HK$95,043
+HK$4,759/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,568/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,394
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,268
−HK$2,920/mo
Today · 4.125%
HK$98,188
baseline
▲ 0.50% · 4.625%
HK$104,162
+HK$5,974/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$196,376/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,787
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,544
−HK$2,796/mo
Today · 4.125%
HK$108,340
baseline
▲ 0.50% · 4.625%
HK$114,051
+HK$5,711/mo
Deposit HK$13.51M · loan HK$20.26M · min. income ≈ HK$216,680/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,435,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,793
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,146
−HK$3,406/mo
Today · 4.125%
HK$114,552
baseline
▲ 0.50% · 4.625%
HK$121,523
+HK$6,971/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,104/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,435,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,918
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,135
−HK$3,262/mo
Today · 4.125%
HK$126,397
baseline
▲ 0.50% · 4.625%
HK$133,060
+HK$6,663/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,794/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,435,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,591
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$142,902
−HK$4,380/mo
Today · 4.125%
HK$147,282
baseline
▲ 0.50% · 4.625%
HK$156,243
+HK$8,961/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$294,564/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,181
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$158,316
−HK$4,195/mo
Today · 4.125%
HK$162,511
baseline
▲ 0.50% · 4.625%
HK$171,077
+HK$8,566/mo
Deposit HK$3.38M · loan HK$30.39M · min. income ≈ HK$325,022/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,050 · Scale 2, in force from 26 Feb 2026)