LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,628
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,545
−HK$1,948/mo
Today · 4.125%
HK$65,493
baseline
▲ 0.50% · 4.625%
HK$69,478
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,986/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,561
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,399
−HK$1,866/mo
Today · 4.125%
HK$72,265
baseline
▲ 0.50% · 4.625%
HK$76,074
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,530/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,954
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,254
−HK$2,337/mo
Today · 4.125%
HK$78,591
baseline
▲ 0.50% · 4.625%
HK$83,373
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,182/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,273
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,479
−HK$2,239/mo
Today · 4.125%
HK$86,718
baseline
▲ 0.50% · 4.625%
HK$91,289
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,436/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,279
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,963
−HK$2,727/mo
Today · 4.125%
HK$91,690
baseline
▲ 0.50% · 4.625%
HK$97,269
+HK$5,579/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,380/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,985
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,559
−HK$2,611/mo
Today · 4.125%
HK$101,170
baseline
▲ 0.50% · 4.625%
HK$106,503
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,340/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,930
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,381
−HK$3,506/mo
Today · 4.125%
HK$117,887
baseline
▲ 0.50% · 4.625%
HK$125,060
+HK$7,173/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,774/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,409
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,719
−HK$3,357/mo
Today · 4.125%
HK$130,076
baseline
▲ 0.50% · 4.625%
HK$136,933
+HK$6,857/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,152/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,638 · Scale 2, in force from 26 Feb 2026)