LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,997
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,895
−HK$1,927/mo
Today · 4.125%
HK$64,822
baseline
▲ 0.50% · 4.625%
HK$68,767
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,644/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,859
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,679
−HK$1,846/mo
Today · 4.125%
HK$71,525
baseline
▲ 0.50% · 4.625%
HK$75,295
+HK$3,770/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,050/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,197
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,474
−HK$2,313/mo
Today · 4.125%
HK$77,787
baseline
▲ 0.50% · 4.625%
HK$82,520
+HK$4,733/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,574/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,431
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,615
−HK$2,215/mo
Today · 4.125%
HK$85,830
baseline
▲ 0.50% · 4.625%
HK$90,354
+HK$4,524/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,660/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,396
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,053
−HK$2,698/mo
Today · 4.125%
HK$90,751
baseline
▲ 0.50% · 4.625%
HK$96,273
+HK$5,522/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,502/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,003
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,550
−HK$2,585/mo
Today · 4.125%
HK$100,135
baseline
▲ 0.50% · 4.625%
HK$105,414
+HK$5,279/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,270/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,795
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,211
−HK$3,469/mo
Today · 4.125%
HK$116,680
baseline
▲ 0.50% · 4.625%
HK$123,780
+HK$7,100/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,360/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,146
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,422
−HK$3,323/mo
Today · 4.125%
HK$128,745
baseline
▲ 0.50% · 4.625%
HK$135,532
+HK$6,787/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,490/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,885 · Scale 2, in force from 26 Feb 2026)