LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,017
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,413
−HK$2,434/mo
Today · 4.125%
HK$81,847
baseline
▲ 0.50% · 4.625%
HK$86,827
+HK$4,980/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$163,694/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,681
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,979
−HK$2,331/mo
Today · 4.125%
HK$90,310
baseline
▲ 0.50% · 4.625%
HK$95,071
+HK$4,761/mo
Deposit HK$16.89M · loan HK$16.89M · min. income ≈ HK$180,620/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,435,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,421
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$95,296
−HK$2,921/mo
Today · 4.125%
HK$98,217
baseline
▲ 0.50% · 4.625%
HK$104,193
+HK$5,976/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$196,434/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,817
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,575
−HK$2,797/mo
Today · 4.125%
HK$108,372
baseline
▲ 0.50% · 4.625%
HK$114,085
+HK$5,713/mo
Deposit HK$13.51M · loan HK$20.27M · min. income ≈ HK$216,744/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,435,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,824
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,178
−HK$3,408/mo
Today · 4.125%
HK$114,586
baseline
▲ 0.50% · 4.625%
HK$121,558
+HK$6,972/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$229,172/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,954
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,171
−HK$3,263/mo
Today · 4.125%
HK$126,434
baseline
▲ 0.50% · 4.625%
HK$133,099
+HK$6,665/mo
Deposit HK$10.13M · loan HK$23.64M · min. income ≈ HK$252,868/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,435,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,631
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$142,944
−HK$4,381/mo
Today · 4.125%
HK$147,325
baseline
▲ 0.50% · 4.625%
HK$156,289
+HK$8,964/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$294,650/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,226
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$158,362
−HK$4,196/mo
Today · 4.125%
HK$162,558
baseline
▲ 0.50% · 4.625%
HK$171,127
+HK$8,569/mo
Deposit HK$3.38M · loan HK$30.40M · min. income ≈ HK$325,116/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,435,471 · Scale 2, in force from 26 Feb 2026)