LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,800
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,723
−HK$1,953/mo
Today · 4.125%
HK$65,676
baseline
▲ 0.50% · 4.625%
HK$69,672
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,352/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,752
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,596
−HK$1,871/mo
Today · 4.125%
HK$72,467
baseline
▲ 0.50% · 4.625%
HK$76,287
+HK$3,820/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,934/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,160
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,467
−HK$2,344/mo
Today · 4.125%
HK$78,811
baseline
▲ 0.50% · 4.625%
HK$83,606
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,622/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,503
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,715
−HK$2,245/mo
Today · 4.125%
HK$86,960
baseline
▲ 0.50% · 4.625%
HK$91,544
+HK$4,584/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,920/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,520
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,212
−HK$2,734/mo
Today · 4.125%
HK$91,946
baseline
▲ 0.50% · 4.625%
HK$97,541
+HK$5,595/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,892/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,253
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,835
−HK$2,618/mo
Today · 4.125%
HK$101,453
baseline
▲ 0.50% · 4.625%
HK$106,801
+HK$5,348/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,906/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,241
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,701
−HK$3,515/mo
Today · 4.125%
HK$118,216
baseline
▲ 0.50% · 4.625%
HK$125,410
+HK$7,194/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,432/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,754
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,073
−HK$3,367/mo
Today · 4.125%
HK$130,440
baseline
▲ 0.50% · 4.625%
HK$137,316
+HK$6,876/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,880/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,851 · Scale 2, in force from 26 Feb 2026)