LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,408
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,318
−HK$1,941/mo
Today · 4.125%
HK$65,259
baseline
▲ 0.50% · 4.625%
HK$69,230
+HK$3,971/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,518/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,316
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,148
−HK$1,859/mo
Today · 4.125%
HK$72,007
baseline
▲ 0.50% · 4.625%
HK$75,802
+HK$3,795/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,014/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,690
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,982
−HK$2,329/mo
Today · 4.125%
HK$78,311
baseline
▲ 0.50% · 4.625%
HK$83,076
+HK$4,765/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,622/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,979
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,178
−HK$2,230/mo
Today · 4.125%
HK$86,408
baseline
▲ 0.50% · 4.625%
HK$90,963
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,816/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,971
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,646
−HK$2,717/mo
Today · 4.125%
HK$91,363
baseline
▲ 0.50% · 4.625%
HK$96,922
+HK$5,559/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,726/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,642
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,207
−HK$2,603/mo
Today · 4.125%
HK$100,810
baseline
▲ 0.50% · 4.625%
HK$106,123
+HK$5,313/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,620/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,535
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$113,973
−HK$3,493/mo
Today · 4.125%
HK$117,466
baseline
▲ 0.50% · 4.625%
HK$124,614
+HK$7,148/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,932/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,969
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$126,267
−HK$3,345/mo
Today · 4.125%
HK$129,612
baseline
▲ 0.50% · 4.625%
HK$136,444
+HK$6,832/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,224/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,540 · Scale 2, in force from 26 Feb 2026)