LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,417
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,421
−HK$2,036/mo
Today · 4.125%
HK$68,457
baseline
▲ 0.50% · 4.625%
HK$72,622
+HK$4,165/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,914/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,663
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,585
−HK$1,950/mo
Today · 4.125%
HK$75,535
baseline
▲ 0.50% · 4.625%
HK$79,517
+HK$3,982/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,070/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,300
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,705
−HK$2,443/mo
Today · 4.125%
HK$82,148
baseline
▲ 0.50% · 4.625%
HK$87,146
+HK$4,998/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,296/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,996
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,302
−HK$2,340/mo
Today · 4.125%
HK$90,642
baseline
▲ 0.50% · 4.625%
HK$95,420
+HK$4,778/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,284/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,184
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,989
−HK$2,850/mo
Today · 4.125%
HK$95,839
baseline
▲ 0.50% · 4.625%
HK$101,671
+HK$5,832/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,678/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,329
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,019
−HK$2,730/mo
Today · 4.125%
HK$105,749
baseline
▲ 0.50% · 4.625%
HK$111,323
+HK$5,574/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,498/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,951
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$119,557
−HK$3,665/mo
Today · 4.125%
HK$123,222
baseline
▲ 0.50% · 4.625%
HK$130,719
+HK$7,497/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,444/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,994
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,453
−HK$3,510/mo
Today · 4.125%
HK$135,963
baseline
▲ 0.50% · 4.625%
HK$143,130
+HK$7,167/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,926/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,621 · Scale 2, in force from 26 Feb 2026)