LTV · monthly repayment
▼ 0.50% · 3.625%
HK$80,246
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,742
−HK$2,536/mo
Today · 4.125%
HK$85,278
baseline
▲ 0.50% · 4.625%
HK$90,467
+HK$5,189/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$170,556/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,495,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,273
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,667
−HK$2,429/mo
Today · 4.125%
HK$94,096
baseline
▲ 0.50% · 4.625%
HK$99,056
+HK$4,960/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$188,192/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,495,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,295
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,290
−HK$3,044/mo
Today · 4.125%
HK$102,334
baseline
▲ 0.50% · 4.625%
HK$108,560
+HK$6,226/mo
Deposit HK$14.08M · loan HK$21.11M · min. income ≈ HK$204,668/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,495,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,127
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,000
−HK$2,915/mo
Today · 4.125%
HK$112,915
baseline
▲ 0.50% · 4.625%
HK$118,867
+HK$5,952/mo
Deposit HK$14.08M · loan HK$21.11M · min. income ≈ HK$225,830/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,495,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,344
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$115,839
−HK$3,550/mo
Today · 4.125%
HK$119,389
baseline
▲ 0.50% · 4.625%
HK$126,654
+HK$7,265/mo
Deposit HK$10.56M · loan HK$24.63M · min. income ≈ HK$238,778/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,495,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,982
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,334
−HK$3,400/mo
Today · 4.125%
HK$131,734
baseline
▲ 0.50% · 4.625%
HK$138,678
+HK$6,944/mo
Deposit HK$10.56M · loan HK$24.63M · min. income ≈ HK$263,468/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,495,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,443
−HK$9,057/mo
▼ 0.25% · 3.875%
HK$148,936
−HK$4,564/mo
Today · 4.125%
HK$153,500
baseline
▲ 0.50% · 4.625%
HK$162,841
+HK$9,341/mo
Deposit HK$3.52M · loan HK$31.67M · min. income ≈ HK$307,000/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,495,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,691
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$165,001
−HK$4,372/mo
Today · 4.125%
HK$169,373
baseline
▲ 0.50% · 4.625%
HK$178,300
+HK$8,927/mo
Deposit HK$3.52M · loan HK$31.67M · min. income ≈ HK$338,746/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,495,644 · Scale 2, in force from 26 Feb 2026)