LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,661
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,579
−HK$1,949/mo
Today · 4.125%
HK$65,528
baseline
▲ 0.50% · 4.625%
HK$69,515
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,056/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,251 · 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$1,149,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,993
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,295
−HK$2,338/mo
Today · 4.125%
HK$78,633
baseline
▲ 0.50% · 4.625%
HK$83,418
+HK$4,785/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$1,149,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,317
−HK$4,447/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$1,149,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,325
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,010
−HK$2,729/mo
Today · 4.125%
HK$91,739
baseline
▲ 0.50% · 4.625%
HK$97,321
+HK$5,582/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,478/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,036
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,612
−HK$2,612/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$1,149,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,990
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,442
−HK$3,508/mo
Today · 4.125%
HK$117,950
baseline
▲ 0.50% · 4.625%
HK$125,127
+HK$7,177/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,900/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,475
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,786
−HK$3,360/mo
Today · 4.125%
HK$130,146
baseline
▲ 0.50% · 4.625%
HK$137,006
+HK$6,860/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,292/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,251 · Scale 2, in force from 26 Feb 2026)