LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,258
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,662
−HK$2,441/mo
Today · 4.125%
HK$82,103
baseline
▲ 0.50% · 4.625%
HK$87,099
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,206/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,949
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,254
−HK$2,339/mo
Today · 4.125%
HK$90,593
baseline
▲ 0.50% · 4.625%
HK$95,368
+HK$4,775/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,186/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,439,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,710
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,594
−HK$2,930/mo
Today · 4.125%
HK$98,524
baseline
▲ 0.50% · 4.625%
HK$104,519
+HK$5,995/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,048/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,139
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,905
−HK$2,806/mo
Today · 4.125%
HK$108,711
baseline
▲ 0.50% · 4.625%
HK$114,442
+HK$5,731/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,422/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,162
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,526
−HK$3,419/mo
Today · 4.125%
HK$114,945
baseline
▲ 0.50% · 4.625%
HK$121,939
+HK$6,994/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$229,890/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,329
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,556
−HK$3,274/mo
Today · 4.125%
HK$126,830
baseline
▲ 0.50% · 4.625%
HK$133,515
+HK$6,685/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$253,660/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,065
−HK$8,721/mo
▼ 0.25% · 3.875%
HK$143,391
−HK$4,395/mo
Today · 4.125%
HK$147,786
baseline
▲ 0.50% · 4.625%
HK$156,778
+HK$8,992/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,572/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,709
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$158,858
−HK$4,209/mo
Today · 4.125%
HK$163,067
baseline
▲ 0.50% · 4.625%
HK$171,663
+HK$8,596/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,134/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,963 · Scale 2, in force from 26 Feb 2026)