LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,454
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,894
−HK$2,480/mo
Today · 4.125%
HK$83,374
baseline
▲ 0.50% · 4.625%
HK$88,447
+HK$5,073/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,748/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,279
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,620
−HK$2,374/mo
Today · 4.125%
HK$91,994
baseline
▲ 0.50% · 4.625%
HK$96,844
+HK$4,850/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,988/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,145
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,073
−HK$2,975/mo
Today · 4.125%
HK$100,048
baseline
▲ 0.50% · 4.625%
HK$106,136
+HK$6,088/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$200,096/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,462,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,735
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,544
−HK$2,849/mo
Today · 4.125%
HK$110,393
baseline
▲ 0.50% · 4.625%
HK$116,212
+HK$5,819/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$220,786/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,462,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,835
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,252
−HK$3,471/mo
Today · 4.125%
HK$116,723
baseline
▲ 0.50% · 4.625%
HK$123,825
+HK$7,102/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$233,446/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,191
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,468
−HK$3,324/mo
Today · 4.125%
HK$128,792
baseline
▲ 0.50% · 4.625%
HK$135,581
+HK$6,789/mo
Deposit HK$10.32M · loan HK$24.08M · min. income ≈ HK$257,584/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,217
−HK$8,855/mo
▼ 0.25% · 3.875%
HK$145,609
−HK$4,463/mo
Today · 4.125%
HK$150,072
baseline
▲ 0.50% · 4.625%
HK$159,204
+HK$9,132/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$300,144/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,102
−HK$8,488/mo
▼ 0.25% · 3.875%
HK$161,316
−HK$4,274/mo
Today · 4.125%
HK$165,590
baseline
▲ 0.50% · 4.625%
HK$174,319
+HK$8,729/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$331,180/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,242 · Scale 2, in force from 26 Feb 2026)