LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,435
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,346
−HK$1,942/mo
Today · 4.125%
HK$65,288
baseline
▲ 0.50% · 4.625%
HK$69,260
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,576/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,346
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,179
−HK$1,860/mo
Today · 4.125%
HK$72,039
baseline
▲ 0.50% · 4.625%
HK$75,836
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,078/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,722
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,015
−HK$2,330/mo
Today · 4.125%
HK$78,345
baseline
▲ 0.50% · 4.625%
HK$83,112
+HK$4,767/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,690/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,015
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,215
−HK$2,231/mo
Today · 4.125%
HK$86,446
baseline
▲ 0.50% · 4.625%
HK$91,003
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,892/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,009
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,685
−HK$2,718/mo
Today · 4.125%
HK$91,403
baseline
▲ 0.50% · 4.625%
HK$96,965
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,806/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,685
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,251
−HK$2,603/mo
Today · 4.125%
HK$100,854
baseline
▲ 0.50% · 4.625%
HK$106,170
+HK$5,316/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,708/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,583
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,023
−HK$3,495/mo
Today · 4.125%
HK$117,518
baseline
▲ 0.50% · 4.625%
HK$124,669
+HK$7,151/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,036/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,023
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,322
−HK$3,348/mo
Today · 4.125%
HK$129,670
baseline
▲ 0.50% · 4.625%
HK$136,505
+HK$6,835/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,340/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,046 · Scale 2, in force from 26 Feb 2026)