LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,592
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,508
−HK$1,947/mo
Today · 4.125%
HK$65,455
baseline
▲ 0.50% · 4.625%
HK$69,437
+HK$3,982/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,910/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,521
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,359
−HK$1,864/mo
Today · 4.125%
HK$72,223
baseline
▲ 0.50% · 4.625%
HK$76,030
+HK$3,807/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,446/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,911
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,210
−HK$2,336/mo
Today · 4.125%
HK$78,546
baseline
▲ 0.50% · 4.625%
HK$83,325
+HK$4,779/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$157,092/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,225
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,430
−HK$2,237/mo
Today · 4.125%
HK$86,667
baseline
▲ 0.50% · 4.625%
HK$91,236
+HK$4,569/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$173,334/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,229
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,911
−HK$2,726/mo
Today · 4.125%
HK$91,637
baseline
▲ 0.50% · 4.625%
HK$97,212
+HK$5,575/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,274/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,929
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,502
−HK$2,610/mo
Today · 4.125%
HK$101,112
baseline
▲ 0.50% · 4.625%
HK$106,442
+HK$5,330/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,224/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,866
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,315
−HK$3,503/mo
Today · 4.125%
HK$117,818
baseline
▲ 0.50% · 4.625%
HK$124,987
+HK$7,169/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,636/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,337
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,645
−HK$3,356/mo
Today · 4.125%
HK$130,001
baseline
▲ 0.50% · 4.625%
HK$136,854
+HK$6,853/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$260,002/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,973 · Scale 2, in force from 26 Feb 2026)