LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,618
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,535
−HK$1,947/mo
Today · 4.125%
HK$65,482
baseline
▲ 0.50% · 4.625%
HK$69,466
+HK$3,984/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,964/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,549
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,388
−HK$1,865/mo
Today · 4.125%
HK$72,253
baseline
▲ 0.50% · 4.625%
HK$76,061
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,506/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,942
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,242
−HK$2,336/mo
Today · 4.125%
HK$78,578
baseline
▲ 0.50% · 4.625%
HK$83,360
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,156/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,259
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,465
−HK$2,238/mo
Today · 4.125%
HK$86,703
baseline
▲ 0.50% · 4.625%
HK$91,274
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,406/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,265
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,948
−HK$2,727/mo
Today · 4.125%
HK$91,675
baseline
▲ 0.50% · 4.625%
HK$97,253
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,350/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,969
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,543
−HK$2,611/mo
Today · 4.125%
HK$101,154
baseline
▲ 0.50% · 4.625%
HK$106,486
+HK$5,332/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,308/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,912
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,362
−HK$3,505/mo
Today · 4.125%
HK$117,867
baseline
▲ 0.50% · 4.625%
HK$125,039
+HK$7,172/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,734/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,389
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,698
−HK$3,357/mo
Today · 4.125%
HK$130,055
baseline
▲ 0.50% · 4.625%
HK$136,911
+HK$6,856/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,110/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,452 · Scale 2, in force from 26 Feb 2026)