LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,743
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,757
−HK$2,046/mo
Today · 4.125%
HK$68,803
baseline
▲ 0.50% · 4.625%
HK$72,990
+HK$4,187/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,606/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,026
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,958
−HK$1,960/mo
Today · 4.125%
HK$75,918
baseline
▲ 0.50% · 4.625%
HK$79,920
+HK$4,002/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,836/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,692
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,109
−HK$2,455/mo
Today · 4.125%
HK$82,564
baseline
▲ 0.50% · 4.625%
HK$87,588
+HK$5,024/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$165,128/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,432
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,750
−HK$2,351/mo
Today · 4.125%
HK$91,101
baseline
▲ 0.50% · 4.625%
HK$95,903
+HK$4,802/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$182,202/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,641
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,460
−HK$2,865/mo
Today · 4.125%
HK$96,325
baseline
▲ 0.50% · 4.625%
HK$102,186
+HK$5,861/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$192,650/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,837
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,541
−HK$2,744/mo
Today · 4.125%
HK$106,285
baseline
▲ 0.50% · 4.625%
HK$111,887
+HK$5,602/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$212,570/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,538
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$120,163
−HK$3,683/mo
Today · 4.125%
HK$123,846
baseline
▲ 0.50% · 4.625%
HK$131,382
+HK$7,536/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$247,692/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,648
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$133,125
−HK$3,527/mo
Today · 4.125%
HK$136,652
baseline
▲ 0.50% · 4.625%
HK$143,855
+HK$7,203/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$273,304/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,706 · Scale 2, in force from 26 Feb 2026)