LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,976
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,904
−HK$1,958/mo
Today · 4.125%
HK$65,862
baseline
▲ 0.50% · 4.625%
HK$69,870
+HK$4,008/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,724/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,948
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,797
−HK$1,876/mo
Today · 4.125%
HK$72,673
baseline
▲ 0.50% · 4.625%
HK$76,503
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,346/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,371
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,685
−HK$2,350/mo
Today · 4.125%
HK$79,035
baseline
▲ 0.50% · 4.625%
HK$83,844
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,070/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,737
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,956
−HK$2,251/mo
Today · 4.125%
HK$87,207
baseline
▲ 0.50% · 4.625%
HK$91,804
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,414/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,766
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,465
−HK$2,742/mo
Today · 4.125%
HK$92,207
baseline
▲ 0.50% · 4.625%
HK$97,818
+HK$5,611/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$184,414/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,527
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,116
−HK$2,626/mo
Today · 4.125%
HK$101,742
baseline
▲ 0.50% · 4.625%
HK$107,105
+HK$5,363/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$203,484/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,557
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,027
−HK$3,525/mo
Today · 4.125%
HK$118,552
baseline
▲ 0.50% · 4.625%
HK$125,766
+HK$7,214/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,104/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,106
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,434
−HK$3,377/mo
Today · 4.125%
HK$130,811
baseline
▲ 0.50% · 4.625%
HK$137,706
+HK$6,895/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,622/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,126 · Scale 2, in force from 26 Feb 2026)