LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,612
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,529
−HK$1,947/mo
Today · 4.125%
HK$65,476
baseline
▲ 0.50% · 4.625%
HK$69,460
+HK$3,984/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,952/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,543
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,381
−HK$1,865/mo
Today · 4.125%
HK$72,246
baseline
▲ 0.50% · 4.625%
HK$76,055
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,492/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,935
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,235
−HK$2,336/mo
Today · 4.125%
HK$78,571
baseline
▲ 0.50% · 4.625%
HK$83,352
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,142/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,252
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,458
−HK$2,238/mo
Today · 4.125%
HK$86,696
baseline
▲ 0.50% · 4.625%
HK$91,265
+HK$4,569/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,392/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,257
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,940
−HK$2,726/mo
Today · 4.125%
HK$91,666
baseline
▲ 0.50% · 4.625%
HK$97,244
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$183,332/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,960
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,534
−HK$2,611/mo
Today · 4.125%
HK$101,145
baseline
▲ 0.50% · 4.625%
HK$106,476
+HK$5,331/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$202,290/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,902
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,352
−HK$3,505/mo
Today · 4.125%
HK$117,857
baseline
▲ 0.50% · 4.625%
HK$125,028
+HK$7,171/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,714/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,378
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,687
−HK$3,356/mo
Today · 4.125%
HK$130,043
baseline
▲ 0.50% · 4.625%
HK$136,898
+HK$6,855/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,086/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,348 · Scale 2, in force from 26 Feb 2026)