LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,480
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,393
−HK$1,943/mo
Today · 4.125%
HK$65,336
baseline
▲ 0.50% · 4.625%
HK$69,311
+HK$3,975/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,672/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,396
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,231
−HK$1,861/mo
Today · 4.125%
HK$72,092
baseline
▲ 0.50% · 4.625%
HK$75,892
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,184/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,776
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,071
−HK$2,332/mo
Today · 4.125%
HK$78,403
baseline
▲ 0.50% · 4.625%
HK$83,174
+HK$4,771/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$156,806/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,076
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,277
−HK$2,233/mo
Today · 4.125%
HK$86,510
baseline
▲ 0.50% · 4.625%
HK$91,070
+HK$4,560/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$173,020/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,073
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,750
−HK$2,720/mo
Today · 4.125%
HK$91,470
baseline
▲ 0.50% · 4.625%
HK$97,036
+HK$5,566/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,940/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,755
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,323
−HK$2,605/mo
Today · 4.125%
HK$100,928
baseline
▲ 0.50% · 4.625%
HK$106,248
+HK$5,320/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,856/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,665
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,107
−HK$3,497/mo
Today · 4.125%
HK$117,604
baseline
▲ 0.50% · 4.625%
HK$124,760
+HK$7,156/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,208/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,113
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,415
−HK$3,350/mo
Today · 4.125%
HK$129,765
baseline
▲ 0.50% · 4.625%
HK$136,605
+HK$6,840/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,530/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,888 · Scale 2, in force from 26 Feb 2026)