LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,430
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,434
−HK$2,036/mo
Today · 4.125%
HK$68,470
baseline
▲ 0.50% · 4.625%
HK$72,636
+HK$4,166/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,940/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,677
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,600
−HK$1,950/mo
Today · 4.125%
HK$75,550
baseline
▲ 0.50% · 4.625%
HK$79,532
+HK$3,982/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,100/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,316
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,721
−HK$2,443/mo
Today · 4.125%
HK$82,164
baseline
▲ 0.50% · 4.625%
HK$87,164
+HK$5,000/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,328/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,013
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,320
−HK$2,340/mo
Today · 4.125%
HK$90,660
baseline
▲ 0.50% · 4.625%
HK$95,439
+HK$4,779/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,320/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,202
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$93,007
−HK$2,851/mo
Today · 4.125%
HK$95,858
baseline
▲ 0.50% · 4.625%
HK$101,691
+HK$5,833/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,716/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,348
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,040
−HK$2,730/mo
Today · 4.125%
HK$105,770
baseline
▲ 0.50% · 4.625%
HK$111,345
+HK$5,575/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,540/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,974
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$119,581
−HK$3,665/mo
Today · 4.125%
HK$123,246
baseline
▲ 0.50% · 4.625%
HK$130,745
+HK$7,499/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$246,492/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,019
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,480
−HK$3,510/mo
Today · 4.125%
HK$135,990
baseline
▲ 0.50% · 4.625%
HK$143,158
+HK$7,168/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$271,980/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,859 · Scale 2, in force from 26 Feb 2026)