LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,200
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,134
−HK$1,966/mo
Today · 4.125%
HK$66,100
baseline
▲ 0.50% · 4.625%
HK$70,122
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,200/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,196
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,052
−HK$1,883/mo
Today · 4.125%
HK$72,935
baseline
▲ 0.50% · 4.625%
HK$76,779
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,870/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,640
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,961
−HK$2,359/mo
Today · 4.125%
HK$79,320
baseline
▲ 0.50% · 4.625%
HK$84,147
+HK$4,827/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,640/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,036
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,263
−HK$2,259/mo
Today · 4.125%
HK$87,522
baseline
▲ 0.50% · 4.625%
HK$92,135
+HK$4,613/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,044/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,080
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,788
−HK$2,752/mo
Today · 4.125%
HK$92,540
baseline
▲ 0.50% · 4.625%
HK$98,171
+HK$5,631/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,080/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,875
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,473
−HK$2,636/mo
Today · 4.125%
HK$102,109
baseline
▲ 0.50% · 4.625%
HK$107,491
+HK$5,382/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,218/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,959
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$115,442
−HK$3,538/mo
Today · 4.125%
HK$118,980
baseline
▲ 0.50% · 4.625%
HK$126,220
+HK$7,240/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,960/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,554
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$127,894
−HK$3,389/mo
Today · 4.125%
HK$131,283
baseline
▲ 0.50% · 4.625%
HK$138,203
+HK$6,920/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,566/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,293 · Scale 2, in force from 26 Feb 2026)