LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,143
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,076
−HK$1,963/mo
Today · 4.125%
HK$66,039
baseline
▲ 0.50% · 4.625%
HK$70,058
+HK$4,019/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,078/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,133
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,987
−HK$1,881/mo
Today · 4.125%
HK$72,868
baseline
▲ 0.50% · 4.625%
HK$76,709
+HK$3,841/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,736/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,571
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,891
−HK$2,356/mo
Today · 4.125%
HK$79,247
baseline
▲ 0.50% · 4.625%
HK$84,069
+HK$4,822/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,494/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,960
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,184
−HK$2,258/mo
Today · 4.125%
HK$87,442
baseline
▲ 0.50% · 4.625%
HK$92,051
+HK$4,609/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,884/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,000
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,706
−HK$2,749/mo
Today · 4.125%
HK$92,455
baseline
▲ 0.50% · 4.625%
HK$98,081
+HK$5,626/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,910/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,786
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,382
−HK$2,633/mo
Today · 4.125%
HK$102,015
baseline
▲ 0.50% · 4.625%
HK$107,393
+HK$5,378/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,030/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,857
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$115,336
−HK$3,535/mo
Today · 4.125%
HK$118,871
baseline
▲ 0.50% · 4.625%
HK$126,104
+HK$7,233/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,742/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,439
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,777
−HK$3,385/mo
Today · 4.125%
HK$131,162
baseline
▲ 0.50% · 4.625%
HK$138,076
+HK$6,914/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,324/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,229 · Scale 2, in force from 26 Feb 2026)