LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,129
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,560
−HK$2,469/mo
Today · 4.125%
HK$83,029
baseline
▲ 0.50% · 4.625%
HK$88,081
+HK$5,052/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,058/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,918
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,249
−HK$2,365/mo
Today · 4.125%
HK$91,614
baseline
▲ 0.50% · 4.625%
HK$96,443
+HK$4,829/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,228/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,755
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,672
−HK$2,963/mo
Today · 4.125%
HK$99,635
baseline
▲ 0.50% · 4.625%
HK$105,697
+HK$6,062/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$199,270/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,302
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,099
−HK$2,838/mo
Today · 4.125%
HK$109,937
baseline
▲ 0.50% · 4.625%
HK$115,732
+HK$5,795/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$219,874/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,381
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,784
−HK$3,456/mo
Today · 4.125%
HK$116,240
baseline
▲ 0.50% · 4.625%
HK$123,313
+HK$7,073/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$232,480/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,685
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,949
−HK$3,311/mo
Today · 4.125%
HK$128,260
baseline
▲ 0.50% · 4.625%
HK$135,020
+HK$6,760/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$256,520/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,633
−HK$8,819/mo
▼ 0.25% · 3.875%
HK$145,007
−HK$4,445/mo
Today · 4.125%
HK$149,452
baseline
▲ 0.50% · 4.625%
HK$158,546
+HK$9,094/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$298,904/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,453
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$160,649
−HK$4,256/mo
Today · 4.125%
HK$164,905
baseline
▲ 0.50% · 4.625%
HK$173,598
+HK$8,693/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$329,810/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,196 · Scale 2, in force from 26 Feb 2026)