LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,513
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,427
−HK$1,944/mo
Today · 4.125%
HK$65,371
baseline
▲ 0.50% · 4.625%
HK$69,348
+HK$3,977/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,742/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,433
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,268
−HK$1,862/mo
Today · 4.125%
HK$72,130
baseline
▲ 0.50% · 4.625%
HK$75,932
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,260/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,816
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,112
−HK$2,333/mo
Today · 4.125%
HK$78,445
baseline
▲ 0.50% · 4.625%
HK$83,218
+HK$4,773/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,890/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,120
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,322
−HK$2,234/mo
Today · 4.125%
HK$86,556
baseline
▲ 0.50% · 4.625%
HK$91,119
+HK$4,563/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,112/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,119
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,797
−HK$2,722/mo
Today · 4.125%
HK$91,519
baseline
▲ 0.50% · 4.625%
HK$97,088
+HK$5,569/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,038/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,806
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,376
−HK$2,606/mo
Today · 4.125%
HK$100,982
baseline
▲ 0.50% · 4.625%
HK$106,305
+HK$5,323/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,964/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,724
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,168
−HK$3,499/mo
Today · 4.125%
HK$117,667
baseline
▲ 0.50% · 4.625%
HK$124,827
+HK$7,160/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,334/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,179
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,483
−HK$3,351/mo
Today · 4.125%
HK$129,834
baseline
▲ 0.50% · 4.625%
HK$136,678
+HK$6,844/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,668/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,501 · Scale 2, in force from 26 Feb 2026)