LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,283
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,282
−HK$2,032/mo
Today · 4.125%
HK$68,314
baseline
▲ 0.50% · 4.625%
HK$72,471
+HK$4,157/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,628/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,514
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,432
−HK$1,946/mo
Today · 4.125%
HK$75,378
baseline
▲ 0.50% · 4.625%
HK$79,351
+HK$3,973/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,756/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,139
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,539
−HK$2,438/mo
Today · 4.125%
HK$81,977
baseline
▲ 0.50% · 4.625%
HK$86,965
+HK$4,988/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$163,954/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,817
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,118
−HK$2,335/mo
Today · 4.125%
HK$90,453
baseline
▲ 0.50% · 4.625%
HK$95,221
+HK$4,768/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$180,906/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,996
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,795
−HK$2,845/mo
Today · 4.125%
HK$95,640
baseline
▲ 0.50% · 4.625%
HK$101,459
+HK$5,819/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,280/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,120
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,805
−HK$2,724/mo
Today · 4.125%
HK$105,529
baseline
▲ 0.50% · 4.625%
HK$111,091
+HK$5,562/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,058/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,709
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,308
−HK$3,657/mo
Today · 4.125%
HK$122,965
baseline
▲ 0.50% · 4.625%
HK$130,447
+HK$7,482/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,930/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,725
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,178
−HK$3,502/mo
Today · 4.125%
HK$135,680
baseline
▲ 0.50% · 4.625%
HK$142,832
+HK$7,152/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,360/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,121 · Scale 2, in force from 26 Feb 2026)