LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,853
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,777
−HK$1,955/mo
Today · 4.125%
HK$65,732
baseline
▲ 0.50% · 4.625%
HK$69,732
+HK$4,000/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,464/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,811
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,657
−HK$1,872/mo
Today · 4.125%
HK$72,529
baseline
▲ 0.50% · 4.625%
HK$76,352
+HK$3,823/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,058/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,224
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,533
−HK$2,345/mo
Today · 4.125%
HK$78,878
baseline
▲ 0.50% · 4.625%
HK$83,678
+HK$4,800/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,756/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,573
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,788
−HK$2,247/mo
Today · 4.125%
HK$87,035
baseline
▲ 0.50% · 4.625%
HK$91,622
+HK$4,587/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,070/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,595
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,288
−HK$2,737/mo
Today · 4.125%
HK$92,025
baseline
▲ 0.50% · 4.625%
HK$97,624
+HK$5,599/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,050/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,336
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,919
−HK$2,621/mo
Today · 4.125%
HK$101,540
baseline
▲ 0.50% · 4.625%
HK$106,893
+HK$5,353/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,080/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,336
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,799
−HK$3,519/mo
Today · 4.125%
HK$118,318
baseline
▲ 0.50% · 4.625%
HK$125,517
+HK$7,199/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,636/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,860
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,182
−HK$3,370/mo
Today · 4.125%
HK$130,552
baseline
▲ 0.50% · 4.625%
HK$137,433
+HK$6,881/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,104/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,837 · Scale 2, in force from 26 Feb 2026)