LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,318
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,225
−HK$1,938/mo
Today · 4.125%
HK$65,163
baseline
▲ 0.50% · 4.625%
HK$69,128
+HK$3,965/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,326/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,216
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,045
−HK$1,856/mo
Today · 4.125%
HK$71,901
baseline
▲ 0.50% · 4.625%
HK$75,691
+HK$3,790/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,802/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,582
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,870
−HK$2,326/mo
Today · 4.125%
HK$78,196
baseline
▲ 0.50% · 4.625%
HK$82,954
+HK$4,758/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$156,392/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,859
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,054
−HK$2,227/mo
Today · 4.125%
HK$86,281
baseline
▲ 0.50% · 4.625%
HK$90,829
+HK$4,548/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$172,562/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,845
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,515
−HK$2,713/mo
Today · 4.125%
HK$91,228
baseline
▲ 0.50% · 4.625%
HK$96,779
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,456/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,502
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,063
−HK$2,599/mo
Today · 4.125%
HK$100,662
baseline
▲ 0.50% · 4.625%
HK$105,968
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,324/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,372
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$113,806
−HK$3,488/mo
Today · 4.125%
HK$117,294
baseline
▲ 0.50% · 4.625%
HK$124,431
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,588/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,788
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,081
−HK$3,341/mo
Today · 4.125%
HK$129,422
baseline
▲ 0.50% · 4.625%
HK$136,244
+HK$6,822/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,844/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,861 · Scale 2, in force from 26 Feb 2026)