LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,151
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,116
−HK$1,995/mo
Today · 4.125%
HK$67,111
baseline
▲ 0.50% · 4.625%
HK$71,195
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,222/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,177,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,255
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,139
−HK$1,912/mo
Today · 4.125%
HK$74,051
baseline
▲ 0.50% · 4.625%
HK$77,954
+HK$3,903/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,102/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,177,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,782
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,139
−HK$2,395/mo
Today · 4.125%
HK$80,534
baseline
▲ 0.50% · 4.625%
HK$85,434
+HK$4,900/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,068/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,177,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,306
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,567
−HK$2,294/mo
Today · 4.125%
HK$88,861
baseline
▲ 0.50% · 4.625%
HK$93,545
+HK$4,684/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,722/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,177,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,412
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,162
−HK$2,794/mo
Today · 4.125%
HK$93,956
baseline
▲ 0.50% · 4.625%
HK$99,673
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,912/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,357
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,995
−HK$2,676/mo
Today · 4.125%
HK$103,671
baseline
▲ 0.50% · 4.625%
HK$109,136
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,342/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,672
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,208
−HK$3,593/mo
Today · 4.125%
HK$120,801
baseline
▲ 0.50% · 4.625%
HK$128,151
+HK$7,350/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,602/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,459
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,851
−HK$3,441/mo
Today · 4.125%
HK$133,292
baseline
▲ 0.50% · 4.625%
HK$140,318
+HK$7,026/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,584/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,031 · Scale 2, in force from 26 Feb 2026)