LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,143
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,574
−HK$2,470/mo
Today · 4.125%
HK$83,044
baseline
▲ 0.50% · 4.625%
HK$88,097
+HK$5,053/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,088/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,934
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,265
−HK$2,366/mo
Today · 4.125%
HK$91,631
baseline
▲ 0.50% · 4.625%
HK$96,461
+HK$4,830/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,262/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,772
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,689
−HK$2,963/mo
Today · 4.125%
HK$99,652
baseline
▲ 0.50% · 4.625%
HK$105,716
+HK$6,064/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$199,304/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,321
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,118
−HK$2,839/mo
Today · 4.125%
HK$109,957
baseline
▲ 0.50% · 4.625%
HK$115,753
+HK$5,796/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$219,914/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,401
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$112,804
−HK$3,457/mo
Today · 4.125%
HK$116,261
baseline
▲ 0.50% · 4.625%
HK$123,335
+HK$7,074/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$232,522/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,707
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$124,971
−HK$3,312/mo
Today · 4.125%
HK$128,283
baseline
▲ 0.50% · 4.625%
HK$135,045
+HK$6,762/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$256,566/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,658
−HK$8,821/mo
▼ 0.25% · 3.875%
HK$145,034
−HK$4,445/mo
Today · 4.125%
HK$149,479
baseline
▲ 0.50% · 4.625%
HK$158,574
+HK$9,095/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$298,958/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,481
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$160,678
−HK$4,257/mo
Today · 4.125%
HK$164,935
baseline
▲ 0.50% · 4.625%
HK$173,629
+HK$8,694/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$329,870/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,458 · Scale 2, in force from 26 Feb 2026)