LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,394
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,335
−HK$1,972/mo
Today · 4.125%
HK$66,307
baseline
▲ 0.50% · 4.625%
HK$70,341
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,614/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,413
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,275
−HK$1,888/mo
Today · 4.125%
HK$73,163
baseline
▲ 0.50% · 4.625%
HK$77,020
+HK$3,857/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,326/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,873
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,202
−HK$2,366/mo
Today · 4.125%
HK$79,568
baseline
▲ 0.50% · 4.625%
HK$84,410
+HK$4,842/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,136/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,296
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,529
−HK$2,267/mo
Today · 4.125%
HK$87,796
baseline
▲ 0.50% · 4.625%
HK$92,424
+HK$4,628/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,592/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,352
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,069
−HK$2,761/mo
Today · 4.125%
HK$92,830
baseline
▲ 0.50% · 4.625%
HK$98,478
+HK$5,648/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,660/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,178
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,784
−HK$2,644/mo
Today · 4.125%
HK$102,428
baseline
▲ 0.50% · 4.625%
HK$107,827
+HK$5,399/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,856/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,310
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,803
−HK$3,549/mo
Today · 4.125%
HK$119,352
baseline
▲ 0.50% · 4.625%
HK$126,615
+HK$7,263/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,704/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,943
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$128,294
−HK$3,400/mo
Today · 4.125%
HK$131,694
baseline
▲ 0.50% · 4.625%
HK$138,635
+HK$6,941/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,388/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,920 · Scale 2, in force from 26 Feb 2026)