LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,216
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,120
−HK$1,935/mo
Today · 4.125%
HK$65,055
baseline
▲ 0.50% · 4.625%
HK$69,013
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,110/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,102
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,929
−HK$1,853/mo
Today · 4.125%
HK$71,782
baseline
▲ 0.50% · 4.625%
HK$75,565
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,564/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,459
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,744
−HK$2,322/mo
Today · 4.125%
HK$78,066
baseline
▲ 0.50% · 4.625%
HK$82,816
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,132/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,723
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,914
−HK$2,224/mo
Today · 4.125%
HK$86,138
baseline
▲ 0.50% · 4.625%
HK$90,678
+HK$4,540/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,276/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,702
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,368
−HK$2,709/mo
Today · 4.125%
HK$91,077
baseline
▲ 0.50% · 4.625%
HK$96,619
+HK$5,542/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,154/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,343
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,900
−HK$2,594/mo
Today · 4.125%
HK$100,494
baseline
▲ 0.50% · 4.625%
HK$105,791
+HK$5,297/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,988/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,189
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,616
−HK$3,483/mo
Today · 4.125%
HK$117,099
baseline
▲ 0.50% · 4.625%
HK$124,224
+HK$7,125/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,198/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,584
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,872
−HK$3,335/mo
Today · 4.125%
HK$129,207
baseline
▲ 0.50% · 4.625%
HK$136,018
+HK$6,811/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,414/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,961 · Scale 2, in force from 26 Feb 2026)