LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,090
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,021
−HK$1,962/mo
Today · 4.125%
HK$65,983
baseline
▲ 0.50% · 4.625%
HK$69,998
+HK$4,015/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,966/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,074
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,927
−HK$1,879/mo
Today · 4.125%
HK$72,806
baseline
▲ 0.50% · 4.625%
HK$76,644
+HK$3,838/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,612/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,508
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,825
−HK$2,355/mo
Today · 4.125%
HK$79,180
baseline
▲ 0.50% · 4.625%
HK$83,998
+HK$4,818/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,360/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,889
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,112
−HK$2,255/mo
Today · 4.125%
HK$87,367
baseline
▲ 0.50% · 4.625%
HK$91,972
+HK$4,605/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,734/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,926
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$89,629
−HK$2,748/mo
Today · 4.125%
HK$92,377
baseline
▲ 0.50% · 4.625%
HK$97,997
+HK$5,620/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,754/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,704
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,297
−HK$2,631/mo
Today · 4.125%
HK$101,928
baseline
▲ 0.50% · 4.625%
HK$107,301
+HK$5,373/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,856/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,761
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,238
−HK$3,532/mo
Today · 4.125%
HK$118,770
baseline
▲ 0.50% · 4.625%
HK$125,997
+HK$7,227/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,540/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,333
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,668
−HK$3,383/mo
Today · 4.125%
HK$131,051
baseline
▲ 0.50% · 4.625%
HK$137,959
+HK$6,908/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,102/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,243 · Scale 2, in force from 26 Feb 2026)