LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,065
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,462
−HK$2,436/mo
Today · 4.125%
HK$81,898
baseline
▲ 0.50% · 4.625%
HK$86,881
+HK$4,983/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$163,796/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,734
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,033
−HK$2,333/mo
Today · 4.125%
HK$90,366
baseline
▲ 0.50% · 4.625%
HK$95,129
+HK$4,763/mo
Deposit HK$16.90M · loan HK$16.90M · min. income ≈ HK$180,732/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,436,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,478
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,355
−HK$2,922/mo
Today · 4.125%
HK$98,277
baseline
▲ 0.50% · 4.625%
HK$104,257
+HK$5,980/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$196,554/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,881
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,640
−HK$2,799/mo
Today · 4.125%
HK$108,439
baseline
▲ 0.50% · 4.625%
HK$114,155
+HK$5,716/mo
Deposit HK$13.52M · loan HK$20.28M · min. income ≈ HK$216,878/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,436,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,891
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,247
−HK$3,410/mo
Today · 4.125%
HK$114,657
baseline
▲ 0.50% · 4.625%
HK$121,633
+HK$6,976/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$229,314/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,028
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,247
−HK$3,265/mo
Today · 4.125%
HK$126,512
baseline
▲ 0.50% · 4.625%
HK$133,181
+HK$6,669/mo
Deposit HK$10.14M · loan HK$23.66M · min. income ≈ HK$253,024/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,436,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,717
−HK$8,699/mo
▼ 0.25% · 3.875%
HK$143,032
−HK$4,384/mo
Today · 4.125%
HK$147,416
baseline
▲ 0.50% · 4.625%
HK$156,386
+HK$8,970/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$294,832/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,321
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$158,460
−HK$4,199/mo
Today · 4.125%
HK$162,659
baseline
▲ 0.50% · 4.625%
HK$171,233
+HK$8,574/mo
Deposit HK$3.38M · loan HK$30.42M · min. income ≈ HK$325,318/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,436,357 · Scale 2, in force from 26 Feb 2026)