LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,232
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,168
−HK$1,967/mo
Today · 4.125%
HK$66,135
baseline
▲ 0.50% · 4.625%
HK$70,159
+HK$4,024/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,270/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,233
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,090
−HK$1,883/mo
Today · 4.125%
HK$72,973
baseline
▲ 0.50% · 4.625%
HK$76,820
+HK$3,847/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,946/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,679
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,002
−HK$2,360/mo
Today · 4.125%
HK$79,362
baseline
▲ 0.50% · 4.625%
HK$84,191
+HK$4,829/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,724/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,079
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,307
−HK$2,261/mo
Today · 4.125%
HK$87,568
baseline
▲ 0.50% · 4.625%
HK$92,184
+HK$4,616/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,136/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,125
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,835
−HK$2,754/mo
Today · 4.125%
HK$92,589
baseline
▲ 0.50% · 4.625%
HK$98,222
+HK$5,633/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,178/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,926
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,525
−HK$2,637/mo
Today · 4.125%
HK$102,162
baseline
▲ 0.50% · 4.625%
HK$107,548
+HK$5,386/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,324/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,018
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,502
−HK$3,541/mo
Today · 4.125%
HK$119,043
baseline
▲ 0.50% · 4.625%
HK$126,286
+HK$7,243/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,086/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,619
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,961
−HK$3,391/mo
Today · 4.125%
HK$131,352
baseline
▲ 0.50% · 4.625%
HK$138,275
+HK$6,923/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,704/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,901 · Scale 2, in force from 26 Feb 2026)