LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,716
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,636
−HK$1,951/mo
Today · 4.125%
HK$65,587
baseline
▲ 0.50% · 4.625%
HK$69,577
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,174/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,659
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,500
−HK$1,868/mo
Today · 4.125%
HK$72,368
baseline
▲ 0.50% · 4.625%
HK$76,183
+HK$3,815/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,736/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,060
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,363
−HK$2,341/mo
Today · 4.125%
HK$78,704
baseline
▲ 0.50% · 4.625%
HK$83,493
+HK$4,789/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,408/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,391
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,600
−HK$2,242/mo
Today · 4.125%
HK$86,842
baseline
▲ 0.50% · 4.625%
HK$91,420
+HK$4,578/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,684/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,403
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,091
−HK$2,730/mo
Today · 4.125%
HK$91,821
baseline
▲ 0.50% · 4.625%
HK$97,408
+HK$5,587/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,642/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,122
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,700
−HK$2,616/mo
Today · 4.125%
HK$101,316
baseline
▲ 0.50% · 4.625%
HK$106,656
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,632/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,090
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,545
−HK$3,511/mo
Today · 4.125%
HK$118,056
baseline
▲ 0.50% · 4.625%
HK$125,239
+HK$7,183/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,112/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,586
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,901
−HK$3,362/mo
Today · 4.125%
HK$130,263
baseline
▲ 0.50% · 4.625%
HK$137,129
+HK$6,866/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,526/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,287 · Scale 2, in force from 26 Feb 2026)