LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,557
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,503
−HK$1,977/mo
Today · 4.125%
HK$66,480
baseline
▲ 0.50% · 4.625%
HK$70,525
+HK$4,045/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,960/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,594
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,460
−HK$1,894/mo
Today · 4.125%
HK$73,354
baseline
▲ 0.50% · 4.625%
HK$77,220
+HK$3,866/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,708/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,068
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,403
−HK$2,373/mo
Today · 4.125%
HK$79,776
baseline
▲ 0.50% · 4.625%
HK$84,630
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,552/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,512
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,752
−HK$2,272/mo
Today · 4.125%
HK$88,024
baseline
▲ 0.50% · 4.625%
HK$92,664
+HK$4,640/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,048/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,579
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,304
−HK$2,767/mo
Today · 4.125%
HK$93,071
baseline
▲ 0.50% · 4.625%
HK$98,735
+HK$5,664/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,142/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,431
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,044
−HK$2,651/mo
Today · 4.125%
HK$102,695
baseline
▲ 0.50% · 4.625%
HK$108,108
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,390/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,602
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,105
−HK$3,558/mo
Today · 4.125%
HK$119,663
baseline
▲ 0.50% · 4.625%
HK$126,944
+HK$7,281/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,326/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,269
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,628
−HK$3,409/mo
Today · 4.125%
HK$132,037
baseline
▲ 0.50% · 4.625%
HK$138,996
+HK$6,959/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,074/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,949 · Scale 2, in force from 26 Feb 2026)