LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,661
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,579
−HK$1,948/mo
Today · 4.125%
HK$65,527
baseline
▲ 0.50% · 4.625%
HK$69,515
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,054/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,597
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,437
−HK$1,866/mo
Today · 4.125%
HK$72,303
baseline
▲ 0.50% · 4.625%
HK$76,114
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,606/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,993
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,294
−HK$2,339/mo
Today · 4.125%
HK$78,633
baseline
▲ 0.50% · 4.625%
HK$83,417
+HK$4,784/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$157,266/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,316
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,524
−HK$2,240/mo
Today · 4.125%
HK$86,764
baseline
▲ 0.50% · 4.625%
HK$91,337
+HK$4,573/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$173,528/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,325
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,010
−HK$2,728/mo
Today · 4.125%
HK$91,738
baseline
▲ 0.50% · 4.625%
HK$97,320
+HK$5,582/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,476/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,036
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,611
−HK$2,613/mo
Today · 4.125%
HK$101,224
baseline
▲ 0.50% · 4.625%
HK$106,560
+HK$5,336/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,448/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,989
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,442
−HK$3,507/mo
Today · 4.125%
HK$117,949
baseline
▲ 0.50% · 4.625%
HK$125,126
+HK$7,177/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,898/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,474
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,786
−HK$3,359/mo
Today · 4.125%
HK$130,145
baseline
▲ 0.50% · 4.625%
HK$137,005
+HK$6,860/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,290/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,248 · Scale 2, in force from 26 Feb 2026)