LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,646
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,532
−HK$1,917/mo
Today · 4.125%
HK$64,449
baseline
▲ 0.50% · 4.625%
HK$68,370
+HK$3,921/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,898/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,468
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,277
−HK$1,836/mo
Today · 4.125%
HK$71,113
baseline
▲ 0.50% · 4.625%
HK$74,861
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,226/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,775
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,039
−HK$2,300/mo
Today · 4.125%
HK$77,339
baseline
▲ 0.50% · 4.625%
HK$82,044
+HK$4,705/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,678/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,961
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,133
−HK$2,202/mo
Today · 4.125%
HK$85,335
baseline
▲ 0.50% · 4.625%
HK$89,834
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,670/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,904
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,545
−HK$2,683/mo
Today · 4.125%
HK$90,228
baseline
▲ 0.50% · 4.625%
HK$95,718
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,456/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,455
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,988
−HK$2,570/mo
Today · 4.125%
HK$99,558
baseline
▲ 0.50% · 4.625%
HK$104,806
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,116/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,162
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,558
−HK$3,450/mo
Today · 4.125%
HK$116,008
baseline
▲ 0.50% · 4.625%
HK$123,067
+HK$7,059/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,016/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,442
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,699
−HK$3,304/mo
Today · 4.125%
HK$128,003
baseline
▲ 0.50% · 4.625%
HK$134,750
+HK$6,747/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,006/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,332 · Scale 2, in force from 26 Feb 2026)