LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,908
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,331
−HK$2,463/mo
Today · 4.125%
HK$82,794
baseline
▲ 0.50% · 4.625%
HK$87,831
+HK$5,037/mo
Deposit HK$17.08M · loan HK$17.08M · min. income ≈ HK$165,588/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,672
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$88,996
−HK$2,359/mo
Today · 4.125%
HK$91,355
baseline
▲ 0.50% · 4.625%
HK$96,170
+HK$4,815/mo
Deposit HK$17.08M · loan HK$17.08M · min. income ≈ HK$182,710/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,452,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,490
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,398
−HK$2,954/mo
Today · 4.125%
HK$99,352
baseline
▲ 0.50% · 4.625%
HK$105,398
+HK$6,046/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$198,704/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,006
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,796
−HK$2,829/mo
Today · 4.125%
HK$109,625
baseline
▲ 0.50% · 4.625%
HK$115,404
+HK$5,779/mo
Deposit HK$13.67M · loan HK$20.50M · min. income ≈ HK$219,250/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,452,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,071
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,464
−HK$3,447/mo
Today · 4.125%
HK$115,911
baseline
▲ 0.50% · 4.625%
HK$122,964
+HK$7,053/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$231,822/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,341
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$124,595
−HK$3,301/mo
Today · 4.125%
HK$127,896
baseline
▲ 0.50% · 4.625%
HK$134,638
+HK$6,742/mo
Deposit HK$10.25M · loan HK$23.92M · min. income ≈ HK$255,792/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,452,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,235
−HK$8,793/mo
▼ 0.25% · 3.875%
HK$144,597
−HK$4,431/mo
Today · 4.125%
HK$149,028
baseline
▲ 0.50% · 4.625%
HK$158,097
+HK$9,069/mo
Deposit HK$3.42M · loan HK$30.75M · min. income ≈ HK$298,056/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,010
−HK$8,428/mo
▼ 0.25% · 3.875%
HK$160,194
−HK$4,244/mo
Today · 4.125%
HK$164,438
baseline
▲ 0.50% · 4.625%
HK$173,106
+HK$8,668/mo
Deposit HK$3.42M · loan HK$30.75M · min. income ≈ HK$328,876/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,452,071 · Scale 2, in force from 26 Feb 2026)