LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,713
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,632
−HK$1,951/mo
Today · 4.125%
HK$65,583
baseline
▲ 0.50% · 4.625%
HK$69,573
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,166/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,655
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,496
−HK$1,868/mo
Today · 4.125%
HK$72,364
baseline
▲ 0.50% · 4.625%
HK$76,178
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,728/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,055
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,359
−HK$2,340/mo
Today · 4.125%
HK$78,699
baseline
▲ 0.50% · 4.625%
HK$83,488
+HK$4,789/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,398/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,386
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,595
−HK$2,242/mo
Today · 4.125%
HK$86,837
baseline
▲ 0.50% · 4.625%
HK$91,414
+HK$4,577/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,674/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,398
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,085
−HK$2,731/mo
Today · 4.125%
HK$91,816
baseline
▲ 0.50% · 4.625%
HK$97,402
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,632/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,116
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,694
−HK$2,615/mo
Today · 4.125%
HK$101,309
baseline
▲ 0.50% · 4.625%
HK$106,650
+HK$5,341/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,618/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,083
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,538
−HK$3,511/mo
Today · 4.125%
HK$118,049
baseline
▲ 0.50% · 4.625%
HK$125,231
+HK$7,182/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,098/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,578
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,893
−HK$3,362/mo
Today · 4.125%
HK$130,255
baseline
▲ 0.50% · 4.625%
HK$137,121
+HK$6,866/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,510/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,215 · Scale 2, in force from 26 Feb 2026)