LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,034
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,057
−HK$2,055/mo
Today · 4.125%
HK$69,112
baseline
▲ 0.50% · 4.625%
HK$73,318
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,224/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,350
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,290
−HK$1,969/mo
Today · 4.125%
HK$76,259
baseline
▲ 0.50% · 4.625%
HK$80,278
+HK$4,019/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,518/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,041
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,468
−HK$2,467/mo
Today · 4.125%
HK$82,935
baseline
▲ 0.50% · 4.625%
HK$87,981
+HK$5,046/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,870/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,820
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,148
−HK$2,362/mo
Today · 4.125%
HK$91,510
baseline
▲ 0.50% · 4.625%
HK$96,334
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,020/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,048
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,880
−HK$2,877/mo
Today · 4.125%
HK$96,757
baseline
▲ 0.50% · 4.625%
HK$102,645
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$193,514/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,290
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,006
−HK$2,756/mo
Today · 4.125%
HK$106,762
baseline
▲ 0.50% · 4.625%
HK$112,390
+HK$5,628/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$213,524/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,061
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,703
−HK$3,699/mo
Today · 4.125%
HK$124,402
baseline
▲ 0.50% · 4.625%
HK$131,972
+HK$7,570/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,804/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,230
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$133,722
−HK$3,543/mo
Today · 4.125%
HK$137,265
baseline
▲ 0.50% · 4.625%
HK$144,501
+HK$7,236/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,530/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,122 · Scale 2, in force from 26 Feb 2026)