LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,330
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,331
−HK$2,033/mo
Today · 4.125%
HK$68,364
baseline
▲ 0.50% · 4.625%
HK$72,524
+HK$4,160/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,728/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,566
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,486
−HK$1,947/mo
Today · 4.125%
HK$75,433
baseline
▲ 0.50% · 4.625%
HK$79,409
+HK$3,976/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,866/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,196
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,597
−HK$2,440/mo
Today · 4.125%
HK$82,037
baseline
▲ 0.50% · 4.625%
HK$87,028
+HK$4,991/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,074/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,880
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,183
−HK$2,336/mo
Today · 4.125%
HK$90,519
baseline
▲ 0.50% · 4.625%
HK$95,291
+HK$4,772/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,038/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,062
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,863
−HK$2,846/mo
Today · 4.125%
HK$95,709
baseline
▲ 0.50% · 4.625%
HK$101,533
+HK$5,824/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,418/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,193
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,880
−HK$2,726/mo
Today · 4.125%
HK$105,606
baseline
▲ 0.50% · 4.625%
HK$111,173
+HK$5,567/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,212/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,794
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,396
−HK$3,659/mo
Today · 4.125%
HK$123,055
baseline
▲ 0.50% · 4.625%
HK$130,543
+HK$7,488/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,110/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,819
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,274
−HK$3,505/mo
Today · 4.125%
HK$135,779
baseline
▲ 0.50% · 4.625%
HK$142,936
+HK$7,157/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,558/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,996 · Scale 2, in force from 26 Feb 2026)