LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,040
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,063
−HK$2,055/mo
Today · 4.125%
HK$69,118
baseline
▲ 0.50% · 4.625%
HK$73,324
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,236/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,356
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,297
−HK$1,968/mo
Today · 4.125%
HK$76,265
baseline
▲ 0.50% · 4.625%
HK$80,285
+HK$4,020/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,530/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,048
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,476
−HK$2,466/mo
Today · 4.125%
HK$82,942
baseline
▲ 0.50% · 4.625%
HK$87,989
+HK$5,047/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,884/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,827
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,156
−HK$2,362/mo
Today · 4.125%
HK$91,518
baseline
▲ 0.50% · 4.625%
HK$96,342
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,036/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,056
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,888
−HK$2,878/mo
Today · 4.125%
HK$96,766
baseline
▲ 0.50% · 4.625%
HK$102,654
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,532/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,299
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,015
−HK$2,756/mo
Today · 4.125%
HK$106,771
baseline
▲ 0.50% · 4.625%
HK$112,400
+HK$5,629/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,542/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,072
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,713
−HK$3,700/mo
Today · 4.125%
HK$124,413
baseline
▲ 0.50% · 4.625%
HK$131,983
+HK$7,570/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,826/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,241
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,734
−HK$3,544/mo
Today · 4.125%
HK$137,278
baseline
▲ 0.50% · 4.625%
HK$144,514
+HK$7,236/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,556/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,229 · Scale 2, in force from 26 Feb 2026)