LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,634
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,675
−HK$2,074/mo
Today · 4.125%
HK$69,749
baseline
▲ 0.50% · 4.625%
HK$73,994
+HK$4,245/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,498/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,017
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,975
−HK$1,987/mo
Today · 4.125%
HK$76,962
baseline
▲ 0.50% · 4.625%
HK$81,018
+HK$4,056/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,924/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,760
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,210
−HK$2,489/mo
Today · 4.125%
HK$83,699
baseline
▲ 0.50% · 4.625%
HK$88,792
+HK$5,093/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,398/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,620
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,970
−HK$2,384/mo
Today · 4.125%
HK$92,354
baseline
▲ 0.50% · 4.625%
HK$97,222
+HK$4,868/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,708/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,887
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,745
−HK$2,904/mo
Today · 4.125%
HK$97,649
baseline
▲ 0.50% · 4.625%
HK$103,591
+HK$5,942/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$195,298/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,223
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,965
−HK$2,781/mo
Today · 4.125%
HK$107,746
baseline
▲ 0.50% · 4.625%
HK$113,426
+HK$5,680/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$215,492/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,141
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$121,815
−HK$3,734/mo
Today · 4.125%
HK$125,549
baseline
▲ 0.50% · 4.625%
HK$133,188
+HK$7,639/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$251,098/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,430
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$134,955
−HK$3,576/mo
Today · 4.125%
HK$138,531
baseline
▲ 0.50% · 4.625%
HK$145,833
+HK$7,302/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$277,062/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,297 · Scale 2, in force from 26 Feb 2026)