LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,178
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,081
−HK$1,933/mo
Today · 4.125%
HK$65,014
baseline
▲ 0.50% · 4.625%
HK$68,970
+HK$3,956/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,028/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,060
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,885
−HK$1,852/mo
Today · 4.125%
HK$71,737
baseline
▲ 0.50% · 4.625%
HK$75,518
+HK$3,781/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,474/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,413
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,697
−HK$2,320/mo
Today · 4.125%
HK$78,017
baseline
▲ 0.50% · 4.625%
HK$82,764
+HK$4,747/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,034/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,672
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,862
−HK$2,222/mo
Today · 4.125%
HK$86,084
baseline
▲ 0.50% · 4.625%
HK$90,622
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,168/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,649
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,313
−HK$2,707/mo
Today · 4.125%
HK$91,020
baseline
▲ 0.50% · 4.625%
HK$96,558
+HK$5,538/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,040/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,284
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,839
−HK$2,593/mo
Today · 4.125%
HK$100,432
baseline
▲ 0.50% · 4.625%
HK$105,725
+HK$5,293/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,864/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,120
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,546
−HK$3,480/mo
Today · 4.125%
HK$117,026
baseline
▲ 0.50% · 4.625%
HK$124,146
+HK$7,120/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,052/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,508
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,793
−HK$3,333/mo
Today · 4.125%
HK$129,126
baseline
▲ 0.50% · 4.625%
HK$135,933
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,252/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,249 · Scale 2, in force from 26 Feb 2026)