LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,510
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,423
−HK$1,944/mo
Today · 4.125%
HK$65,367
baseline
▲ 0.50% · 4.625%
HK$69,345
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,734/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,429
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,265
−HK$1,861/mo
Today · 4.125%
HK$72,126
baseline
▲ 0.50% · 4.625%
HK$75,928
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,252/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,812
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,108
−HK$2,333/mo
Today · 4.125%
HK$78,441
baseline
▲ 0.50% · 4.625%
HK$83,214
+HK$4,773/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,882/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,115
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,317
−HK$2,235/mo
Today · 4.125%
HK$86,552
baseline
▲ 0.50% · 4.625%
HK$91,114
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,104/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,114
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,793
−HK$2,721/mo
Today · 4.125%
HK$91,514
baseline
▲ 0.50% · 4.625%
HK$97,083
+HK$5,569/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,028/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,801
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,370
−HK$2,607/mo
Today · 4.125%
HK$100,977
baseline
▲ 0.50% · 4.625%
HK$106,299
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,954/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,718
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,162
−HK$3,499/mo
Today · 4.125%
HK$117,661
baseline
▲ 0.50% · 4.625%
HK$124,820
+HK$7,159/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,322/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,173
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,476
−HK$3,351/mo
Today · 4.125%
HK$129,827
baseline
▲ 0.50% · 4.625%
HK$136,671
+HK$6,844/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,654/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,440 · Scale 2, in force from 26 Feb 2026)