LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,982
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,004
−HK$2,053/mo
Today · 4.125%
HK$69,057
baseline
▲ 0.50% · 4.625%
HK$73,259
+HK$4,202/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,114/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,292
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,231
−HK$1,967/mo
Today · 4.125%
HK$76,198
baseline
▲ 0.50% · 4.625%
HK$80,214
+HK$4,016/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,396/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,979
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,404
−HK$2,465/mo
Today · 4.125%
HK$82,869
baseline
▲ 0.50% · 4.625%
HK$87,911
+HK$5,042/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,738/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,751
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,077
−HK$2,361/mo
Today · 4.125%
HK$91,438
baseline
▲ 0.50% · 4.625%
HK$96,257
+HK$4,819/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,876/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,975
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,805
−HK$2,875/mo
Today · 4.125%
HK$96,680
baseline
▲ 0.50% · 4.625%
HK$102,563
+HK$5,883/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$193,360/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,209
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,923
−HK$2,754/mo
Today · 4.125%
HK$106,677
baseline
▲ 0.50% · 4.625%
HK$112,300
+HK$5,623/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$213,354/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,968
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$120,607
−HK$3,696/mo
Today · 4.125%
HK$124,303
baseline
▲ 0.50% · 4.625%
HK$131,867
+HK$7,564/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$248,606/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,126
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,616
−HK$3,540/mo
Today · 4.125%
HK$137,156
baseline
▲ 0.50% · 4.625%
HK$144,386
+HK$7,230/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$274,312/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,158 · Scale 2, in force from 26 Feb 2026)