LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,512
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,457
−HK$1,975/mo
Today · 4.125%
HK$66,432
baseline
▲ 0.50% · 4.625%
HK$70,475
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,864/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,544
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,409
−HK$1,892/mo
Today · 4.125%
HK$73,301
baseline
▲ 0.50% · 4.625%
HK$77,165
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,602/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,015
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,348
−HK$2,371/mo
Today · 4.125%
HK$79,719
baseline
▲ 0.50% · 4.625%
HK$84,569
+HK$4,850/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,438/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,453
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,691
−HK$2,271/mo
Today · 4.125%
HK$87,962
baseline
▲ 0.50% · 4.625%
HK$92,598
+HK$4,636/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,924/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,517
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,239
−HK$2,766/mo
Today · 4.125%
HK$93,005
baseline
▲ 0.50% · 4.625%
HK$98,664
+HK$5,659/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$186,010/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,362
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,973
−HK$2,649/mo
Today · 4.125%
HK$102,622
baseline
▲ 0.50% · 4.625%
HK$108,031
+HK$5,409/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,244/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,522
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,022
−HK$3,556/mo
Today · 4.125%
HK$119,578
baseline
▲ 0.50% · 4.625%
HK$126,854
+HK$7,276/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,156/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,180
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,537
−HK$3,406/mo
Today · 4.125%
HK$131,943
baseline
▲ 0.50% · 4.625%
HK$138,898
+HK$6,955/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,886/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,119 · Scale 2, in force from 26 Feb 2026)