LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,971
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,867
−HK$1,927/mo
Today · 4.125%
HK$64,794
baseline
▲ 0.50% · 4.625%
HK$68,737
+HK$3,943/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,588/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,829
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,648
−HK$1,846/mo
Today · 4.125%
HK$71,494
baseline
▲ 0.50% · 4.625%
HK$75,262
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,988/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,165
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,441
−HK$2,312/mo
Today · 4.125%
HK$77,753
baseline
▲ 0.50% · 4.625%
HK$82,484
+HK$4,731/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$155,506/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,395
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,578
−HK$2,215/mo
Today · 4.125%
HK$85,793
baseline
▲ 0.50% · 4.625%
HK$90,315
+HK$4,522/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$171,586/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,359
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,014
−HK$2,698/mo
Today · 4.125%
HK$90,712
baseline
▲ 0.50% · 4.625%
HK$96,231
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,424/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,961
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,508
−HK$2,583/mo
Today · 4.125%
HK$100,091
baseline
▲ 0.50% · 4.625%
HK$105,367
+HK$5,276/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,182/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,747
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,161
−HK$3,468/mo
Today · 4.125%
HK$116,629
baseline
▲ 0.50% · 4.625%
HK$123,726
+HK$7,097/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,258/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,093
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,367
−HK$3,322/mo
Today · 4.125%
HK$128,689
baseline
▲ 0.50% · 4.625%
HK$135,472
+HK$6,783/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,378/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,387 · Scale 2, in force from 26 Feb 2026)