LTV · monthly repayment
▼ 0.50% · 3.625%
HK$62,913
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,870
−HK$1,988/mo
Today · 4.125%
HK$66,858
baseline
▲ 0.50% · 4.625%
HK$70,926
+HK$4,068/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,716/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,990
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,867
−HK$1,904/mo
Today · 4.125%
HK$73,771
baseline
▲ 0.50% · 4.625%
HK$77,660
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,542/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,496
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,844
−HK$2,386/mo
Today · 4.125%
HK$80,230
baseline
▲ 0.50% · 4.625%
HK$85,112
+HK$4,882/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$160,460/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,988
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,241
−HK$2,285/mo
Today · 4.125%
HK$88,526
baseline
▲ 0.50% · 4.625%
HK$93,192
+HK$4,666/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$177,052/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,078
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,818
−HK$2,783/mo
Today · 4.125%
HK$93,601
baseline
▲ 0.50% · 4.625%
HK$99,297
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,202/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,986
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,614
−HK$2,666/mo
Today · 4.125%
HK$103,280
baseline
▲ 0.50% · 4.625%
HK$108,724
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,560/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,243
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,766
−HK$3,579/mo
Today · 4.125%
HK$120,345
baseline
▲ 0.50% · 4.625%
HK$127,667
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,690/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,982
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,361
−HK$3,427/mo
Today · 4.125%
HK$132,788
baseline
▲ 0.50% · 4.625%
HK$139,788
+HK$7,000/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,576/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,588 · Scale 2, in force from 26 Feb 2026)