LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,033
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,962
−HK$1,961/mo
Today · 4.125%
HK$65,923
baseline
▲ 0.50% · 4.625%
HK$69,934
+HK$4,011/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,846/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,011
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,862
−HK$1,877/mo
Today · 4.125%
HK$72,739
baseline
▲ 0.50% · 4.625%
HK$76,573
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,478/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,439
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,755
−HK$2,352/mo
Today · 4.125%
HK$79,107
baseline
▲ 0.50% · 4.625%
HK$83,921
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,214/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,813
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,034
−HK$2,253/mo
Today · 4.125%
HK$87,287
baseline
▲ 0.50% · 4.625%
HK$91,888
+HK$4,601/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,574/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,846
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,547
−HK$2,745/mo
Today · 4.125%
HK$92,292
baseline
▲ 0.50% · 4.625%
HK$97,908
+HK$5,616/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,584/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,615
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,206
−HK$2,629/mo
Today · 4.125%
HK$101,835
baseline
▲ 0.50% · 4.625%
HK$107,203
+HK$5,368/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,670/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,659
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,132
−HK$3,529/mo
Today · 4.125%
HK$118,661
baseline
▲ 0.50% · 4.625%
HK$125,881
+HK$7,220/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,322/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,219
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,551
−HK$3,380/mo
Today · 4.125%
HK$130,931
baseline
▲ 0.50% · 4.625%
HK$137,832
+HK$6,901/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,862/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,183 · Scale 2, in force from 26 Feb 2026)