LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,962
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,889
−HK$1,959/mo
Today · 4.125%
HK$65,848
baseline
▲ 0.50% · 4.625%
HK$69,854
+HK$4,006/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,696/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,932
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,781
−HK$1,875/mo
Today · 4.125%
HK$72,656
baseline
▲ 0.50% · 4.625%
HK$76,486
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,312/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,354
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,667
−HK$2,350/mo
Today · 4.125%
HK$79,017
baseline
▲ 0.50% · 4.625%
HK$83,825
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,034/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,719
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,937
−HK$2,251/mo
Today · 4.125%
HK$87,188
baseline
▲ 0.50% · 4.625%
HK$91,783
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,376/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,747
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,445
−HK$2,742/mo
Today · 4.125%
HK$92,187
baseline
▲ 0.50% · 4.625%
HK$97,796
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,374/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,505
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,093
−HK$2,626/mo
Today · 4.125%
HK$101,719
baseline
▲ 0.50% · 4.625%
HK$107,081
+HK$5,362/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,438/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,532
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$115,001
−HK$3,525/mo
Today · 4.125%
HK$118,526
baseline
▲ 0.50% · 4.625%
HK$125,738
+HK$7,212/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,052/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,078
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,405
−HK$3,376/mo
Today · 4.125%
HK$130,781
baseline
▲ 0.50% · 4.625%
HK$137,675
+HK$6,894/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,562/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,864 · Scale 2, in force from 26 Feb 2026)