LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,740
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,660
−HK$1,951/mo
Today · 4.125%
HK$65,611
baseline
▲ 0.50% · 4.625%
HK$69,604
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,222/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,685
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,527
−HK$1,869/mo
Today · 4.125%
HK$72,396
baseline
▲ 0.50% · 4.625%
HK$76,212
+HK$3,816/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,792/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,088
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,392
−HK$2,342/mo
Today · 4.125%
HK$78,734
baseline
▲ 0.50% · 4.625%
HK$83,524
+HK$4,790/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,468/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,422
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,632
−HK$2,243/mo
Today · 4.125%
HK$86,875
baseline
▲ 0.50% · 4.625%
HK$91,454
+HK$4,579/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,750/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,436
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,124
−HK$2,732/mo
Today · 4.125%
HK$91,856
baseline
▲ 0.50% · 4.625%
HK$97,445
+HK$5,589/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,712/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,159
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,738
−HK$2,616/mo
Today · 4.125%
HK$101,354
baseline
▲ 0.50% · 4.625%
HK$106,696
+HK$5,342/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,708/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,131
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,588
−HK$3,512/mo
Today · 4.125%
HK$118,100
baseline
▲ 0.50% · 4.625%
HK$125,286
+HK$7,186/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,200/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,633
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,948
−HK$3,364/mo
Today · 4.125%
HK$130,312
baseline
▲ 0.50% · 4.625%
HK$137,181
+HK$6,869/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,624/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,720 · Scale 2, in force from 26 Feb 2026)