LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,127
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,059
−HK$1,964/mo
Today · 4.125%
HK$66,023
baseline
▲ 0.50% · 4.625%
HK$70,040
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,046/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,115
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,969
−HK$1,881/mo
Today · 4.125%
HK$72,850
baseline
▲ 0.50% · 4.625%
HK$76,690
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,700/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,552
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,871
−HK$2,356/mo
Today · 4.125%
HK$79,227
baseline
▲ 0.50% · 4.625%
HK$84,048
+HK$4,821/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,454/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,939
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,163
−HK$2,256/mo
Today · 4.125%
HK$87,419
baseline
▲ 0.50% · 4.625%
HK$92,027
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,838/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,978
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,683
−HK$2,749/mo
Today · 4.125%
HK$92,432
baseline
▲ 0.50% · 4.625%
HK$98,056
+HK$5,624/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,864/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,762
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,357
−HK$2,632/mo
Today · 4.125%
HK$101,989
baseline
▲ 0.50% · 4.625%
HK$107,365
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,978/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,828
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,307
−HK$3,534/mo
Today · 4.125%
HK$118,841
baseline
▲ 0.50% · 4.625%
HK$126,072
+HK$7,231/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,682/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,408
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,744
−HK$3,385/mo
Today · 4.125%
HK$131,129
baseline
▲ 0.50% · 4.625%
HK$138,041
+HK$6,912/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,258/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,936 · Scale 2, in force from 26 Feb 2026)