LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,578
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,023
−HK$2,483/mo
Today · 4.125%
HK$83,506
baseline
▲ 0.50% · 4.625%
HK$88,587
+HK$5,081/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$167,012/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,418
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,762
−HK$2,378/mo
Today · 4.125%
HK$92,140
baseline
▲ 0.50% · 4.625%
HK$96,997
+HK$4,857/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,280/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,294
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,227
−HK$2,980/mo
Today · 4.125%
HK$100,207
baseline
▲ 0.50% · 4.625%
HK$106,304
+HK$6,097/mo
Deposit HK$13.78M · loan HK$20.68M · min. income ≈ HK$200,414/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,901
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,715
−HK$2,854/mo
Today · 4.125%
HK$110,569
baseline
▲ 0.50% · 4.625%
HK$116,397
+HK$5,828/mo
Deposit HK$13.78M · loan HK$20.68M · min. income ≈ HK$221,138/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,010
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,432
−HK$3,476/mo
Today · 4.125%
HK$116,908
baseline
▲ 0.50% · 4.625%
HK$124,022
+HK$7,114/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$233,816/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,385
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,667
−HK$3,330/mo
Today · 4.125%
HK$128,997
baseline
▲ 0.50% · 4.625%
HK$135,796
+HK$6,799/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$257,994/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,441
−HK$8,870/mo
▼ 0.25% · 3.875%
HK$145,841
−HK$4,470/mo
Today · 4.125%
HK$150,311
baseline
▲ 0.50% · 4.625%
HK$159,457
+HK$9,146/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$300,622/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,352
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$161,572
−HK$4,281/mo
Today · 4.125%
HK$165,853
baseline
▲ 0.50% · 4.625%
HK$174,595
+HK$8,742/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$331,706/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,563 · Scale 2, in force from 26 Feb 2026)