LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,311
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,312
−HK$2,032/mo
Today · 4.125%
HK$68,344
baseline
▲ 0.50% · 4.625%
HK$72,503
+HK$4,159/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,688/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,546
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,464
−HK$1,947/mo
Today · 4.125%
HK$75,411
baseline
▲ 0.50% · 4.625%
HK$79,386
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,822/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,173
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,574
−HK$2,439/mo
Today · 4.125%
HK$82,013
baseline
▲ 0.50% · 4.625%
HK$87,003
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,026/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,855
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,157
−HK$2,336/mo
Today · 4.125%
HK$90,493
baseline
▲ 0.50% · 4.625%
HK$95,263
+HK$4,770/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,986/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,036
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,836
−HK$2,846/mo
Today · 4.125%
HK$95,682
baseline
▲ 0.50% · 4.625%
HK$101,504
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,364/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,164
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,850
−HK$2,725/mo
Today · 4.125%
HK$105,575
baseline
▲ 0.50% · 4.625%
HK$111,140
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,150/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,760
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,361
−HK$3,658/mo
Today · 4.125%
HK$123,019
baseline
▲ 0.50% · 4.625%
HK$130,505
+HK$7,486/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,038/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,782
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,236
−HK$3,504/mo
Today · 4.125%
HK$135,740
baseline
▲ 0.50% · 4.625%
HK$142,895
+HK$7,155/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,480/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,649 · Scale 2, in force from 26 Feb 2026)