LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,809
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,731
−HK$1,954/mo
Today · 4.125%
HK$65,685
baseline
▲ 0.50% · 4.625%
HK$69,681
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,370/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,762
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,606
−HK$1,871/mo
Today · 4.125%
HK$72,477
baseline
▲ 0.50% · 4.625%
HK$76,297
+HK$3,820/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,954/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,170
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,478
−HK$2,344/mo
Today · 4.125%
HK$78,822
baseline
▲ 0.50% · 4.625%
HK$83,618
+HK$4,796/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,644/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,152,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,514
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,727
−HK$2,245/mo
Today · 4.125%
HK$86,972
baseline
▲ 0.50% · 4.625%
HK$91,556
+HK$4,584/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,944/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,152,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,532
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,224
−HK$2,735/mo
Today · 4.125%
HK$91,959
baseline
▲ 0.50% · 4.625%
HK$97,554
+HK$5,595/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,918/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,266
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,848
−HK$2,619/mo
Today · 4.125%
HK$101,467
baseline
▲ 0.50% · 4.625%
HK$106,816
+HK$5,349/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,934/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,256
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,716
−HK$3,516/mo
Today · 4.125%
HK$118,232
baseline
▲ 0.50% · 4.625%
HK$125,427
+HK$7,195/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,464/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,771
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,090
−HK$3,368/mo
Today · 4.125%
HK$130,458
baseline
▲ 0.50% · 4.625%
HK$137,334
+HK$6,876/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,916/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,007 · Scale 2, in force from 26 Feb 2026)