LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,325
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,326
−HK$2,033/mo
Today · 4.125%
HK$68,359
baseline
▲ 0.50% · 4.625%
HK$72,518
+HK$4,159/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,718/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,561
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,480
−HK$1,947/mo
Today · 4.125%
HK$75,427
baseline
▲ 0.50% · 4.625%
HK$79,403
+HK$3,976/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,854/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,190
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,591
−HK$2,440/mo
Today · 4.125%
HK$82,031
baseline
▲ 0.50% · 4.625%
HK$87,022
+HK$4,991/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,062/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,873
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,177
−HK$2,336/mo
Today · 4.125%
HK$90,513
baseline
▲ 0.50% · 4.625%
HK$95,284
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,026/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,055
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,857
−HK$2,846/mo
Today · 4.125%
HK$95,703
baseline
▲ 0.50% · 4.625%
HK$101,526
+HK$5,823/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,406/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,186
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,873
−HK$2,725/mo
Today · 4.125%
HK$105,598
baseline
▲ 0.50% · 4.625%
HK$111,165
+HK$5,567/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,196/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,785
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,387
−HK$3,659/mo
Today · 4.125%
HK$123,046
baseline
▲ 0.50% · 4.625%
HK$130,533
+HK$7,487/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,092/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,810
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,265
−HK$3,504/mo
Today · 4.125%
HK$135,769
baseline
▲ 0.50% · 4.625%
HK$142,926
+HK$7,157/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,538/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,911 · Scale 2, in force from 26 Feb 2026)