LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,245
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,274
−HK$2,062/mo
Today · 4.125%
HK$69,336
baseline
▲ 0.50% · 4.625%
HK$73,555
+HK$4,219/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,672/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,584
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,531
−HK$1,975/mo
Today · 4.125%
HK$76,506
baseline
▲ 0.50% · 4.625%
HK$80,539
+HK$4,033/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,012/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,294
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,729
−HK$2,475/mo
Today · 4.125%
HK$83,204
baseline
▲ 0.50% · 4.625%
HK$88,266
+HK$5,062/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,408/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,101
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,437
−HK$2,370/mo
Today · 4.125%
HK$91,807
baseline
▲ 0.50% · 4.625%
HK$96,646
+HK$4,839/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,614/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,343
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,184
−HK$2,887/mo
Today · 4.125%
HK$97,071
baseline
▲ 0.50% · 4.625%
HK$102,978
+HK$5,907/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$194,142/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,618
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,344
−HK$2,764/mo
Today · 4.125%
HK$107,108
baseline
▲ 0.50% · 4.625%
HK$112,754
+HK$5,646/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$214,216/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,441
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,094
−HK$3,712/mo
Today · 4.125%
HK$124,806
baseline
▲ 0.50% · 4.625%
HK$132,400
+HK$7,594/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,612/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,652
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,156
−HK$3,555/mo
Today · 4.125%
HK$137,711
baseline
▲ 0.50% · 4.625%
HK$144,970
+HK$7,259/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,422/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,053 · Scale 2, in force from 26 Feb 2026)