LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,308
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,339
−HK$2,064/mo
Today · 4.125%
HK$69,403
baseline
▲ 0.50% · 4.625%
HK$73,626
+HK$4,223/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,806/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,654
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,603
−HK$1,976/mo
Today · 4.125%
HK$76,579
baseline
▲ 0.50% · 4.625%
HK$80,616
+HK$4,037/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,158/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,369
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,807
−HK$2,476/mo
Today · 4.125%
HK$83,283
baseline
▲ 0.50% · 4.625%
HK$88,351
+HK$5,068/mo
Deposit HK$11.46M · loan HK$17.18M · min. income ≈ HK$166,566/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,185
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,523
−HK$2,372/mo
Today · 4.125%
HK$91,895
baseline
▲ 0.50% · 4.625%
HK$96,739
+HK$4,844/mo
Deposit HK$11.46M · loan HK$17.18M · min. income ≈ HK$183,790/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,431
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,275
−HK$2,889/mo
Today · 4.125%
HK$97,164
baseline
▲ 0.50% · 4.625%
HK$103,076
+HK$5,912/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,328/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,716
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,444
−HK$2,767/mo
Today · 4.125%
HK$107,211
baseline
▲ 0.50% · 4.625%
HK$112,862
+HK$5,651/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,422/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,554
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,210
−HK$3,715/mo
Today · 4.125%
HK$124,925
baseline
▲ 0.50% · 4.625%
HK$132,527
+HK$7,602/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,850/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,777
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,285
−HK$3,558/mo
Today · 4.125%
HK$137,843
baseline
▲ 0.50% · 4.625%
HK$145,109
+HK$7,266/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,686/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,219 · Scale 2, in force from 26 Feb 2026)