LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,486
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,398
−HK$1,943/mo
Today · 4.125%
HK$65,341
baseline
▲ 0.50% · 4.625%
HK$69,317
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,682/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,402
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,237
−HK$1,861/mo
Today · 4.125%
HK$72,098
baseline
▲ 0.50% · 4.625%
HK$75,898
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,196/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,783
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,078
−HK$2,331/mo
Today · 4.125%
HK$78,409
baseline
▲ 0.50% · 4.625%
HK$83,181
+HK$4,772/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,818/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,082
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,284
−HK$2,233/mo
Today · 4.125%
HK$86,517
baseline
▲ 0.50% · 4.625%
HK$91,078
+HK$4,561/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,034/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,080
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,757
−HK$2,721/mo
Today · 4.125%
HK$91,478
baseline
▲ 0.50% · 4.625%
HK$97,044
+HK$5,566/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$182,956/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,145,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,763
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,331
−HK$2,606/mo
Today · 4.125%
HK$100,937
baseline
▲ 0.50% · 4.625%
HK$106,257
+HK$5,320/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,874/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,145,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,674
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,117
−HK$3,497/mo
Today · 4.125%
HK$117,614
baseline
▲ 0.50% · 4.625%
HK$124,771
+HK$7,157/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,228/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,124
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,426
−HK$3,350/mo
Today · 4.125%
HK$129,776
baseline
▲ 0.50% · 4.625%
HK$136,616
+HK$6,840/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,552/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,984 · Scale 2, in force from 26 Feb 2026)