LTV · monthly repayment
▼ 0.50% · 3.625%
HK$78,597
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,042
−HK$2,484/mo
Today · 4.125%
HK$83,526
baseline
▲ 0.50% · 4.625%
HK$88,608
+HK$5,082/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$167,052/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,464,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,438
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,784
−HK$2,379/mo
Today · 4.125%
HK$92,163
baseline
▲ 0.50% · 4.625%
HK$97,021
+HK$4,858/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,326/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,464,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,317
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,250
−HK$2,981/mo
Today · 4.125%
HK$100,231
baseline
▲ 0.50% · 4.625%
HK$106,330
+HK$6,099/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$200,462/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,926
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,740
−HK$2,855/mo
Today · 4.125%
HK$110,595
baseline
▲ 0.50% · 4.625%
HK$116,425
+HK$5,830/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$221,190/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,036
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,459
−HK$3,477/mo
Today · 4.125%
HK$116,936
baseline
▲ 0.50% · 4.625%
HK$124,051
+HK$7,115/mo
Deposit HK$10.34M · loan HK$24.13M · min. income ≈ HK$233,872/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,464,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,414
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,697
−HK$3,331/mo
Today · 4.125%
HK$129,028
baseline
▲ 0.50% · 4.625%
HK$135,829
+HK$6,801/mo
Deposit HK$10.34M · loan HK$24.13M · min. income ≈ HK$258,056/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,464,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,475
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$145,875
−HK$4,472/mo
Today · 4.125%
HK$150,347
baseline
▲ 0.50% · 4.625%
HK$159,495
+HK$9,148/mo
Deposit HK$3.45M · loan HK$31.02M · min. income ≈ HK$300,694/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,389
−HK$8,504/mo
▼ 0.25% · 3.875%
HK$161,610
−HK$4,283/mo
Today · 4.125%
HK$165,893
baseline
▲ 0.50% · 4.625%
HK$174,637
+HK$8,744/mo
Deposit HK$3.45M · loan HK$31.02M · min. income ≈ HK$331,786/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,913 · Scale 2, in force from 26 Feb 2026)