LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,723
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,643
−HK$1,951/mo
Today · 4.125%
HK$65,594
baseline
▲ 0.50% · 4.625%
HK$69,585
+HK$3,991/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,188/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,667
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,508
−HK$1,869/mo
Today · 4.125%
HK$72,377
baseline
▲ 0.50% · 4.625%
HK$76,192
+HK$3,815/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,754/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,068
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,372
−HK$2,341/mo
Today · 4.125%
HK$78,713
baseline
▲ 0.50% · 4.625%
HK$83,502
+HK$4,789/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,426/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,400
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,610
−HK$2,242/mo
Today · 4.125%
HK$86,852
baseline
▲ 0.50% · 4.625%
HK$91,430
+HK$4,578/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,704/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,413
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,101
−HK$2,731/mo
Today · 4.125%
HK$91,832
baseline
▲ 0.50% · 4.625%
HK$97,419
+HK$5,587/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,664/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,133
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,712
−HK$2,615/mo
Today · 4.125%
HK$101,327
baseline
▲ 0.50% · 4.625%
HK$106,668
+HK$5,341/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,654/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,102
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,558
−HK$3,511/mo
Today · 4.125%
HK$118,069
baseline
▲ 0.50% · 4.625%
HK$125,254
+HK$7,185/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,138/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,600
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,915
−HK$3,363/mo
Today · 4.125%
HK$130,278
baseline
▲ 0.50% · 4.625%
HK$137,145
+HK$6,867/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,556/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,418 · Scale 2, in force from 26 Feb 2026)