LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,158
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,122
−HK$1,996/mo
Today · 4.125%
HK$67,118
baseline
▲ 0.50% · 4.625%
HK$71,202
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,236/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,262
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,147
−HK$1,911/mo
Today · 4.125%
HK$74,058
baseline
▲ 0.50% · 4.625%
HK$77,962
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,116/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,789
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,147
−HK$2,395/mo
Today · 4.125%
HK$80,542
baseline
▲ 0.50% · 4.625%
HK$85,443
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,084/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,315
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,576
−HK$2,294/mo
Today · 4.125%
HK$88,870
baseline
▲ 0.50% · 4.625%
HK$93,554
+HK$4,684/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,740/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,421
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,171
−HK$2,795/mo
Today · 4.125%
HK$93,966
baseline
▲ 0.50% · 4.625%
HK$99,683
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,932/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,367
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,005
−HK$2,677/mo
Today · 4.125%
HK$103,682
baseline
▲ 0.50% · 4.625%
HK$109,147
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,364/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,684
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,220
−HK$3,593/mo
Today · 4.125%
HK$120,813
baseline
▲ 0.50% · 4.625%
HK$128,164
+HK$7,351/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,626/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,472
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,864
−HK$3,441/mo
Today · 4.125%
HK$133,305
baseline
▲ 0.50% · 4.625%
HK$140,332
+HK$7,027/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,610/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,149 · Scale 2, in force from 26 Feb 2026)