LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,872
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,921
−HK$2,082/mo
Today · 4.125%
HK$70,003
baseline
▲ 0.50% · 4.625%
HK$74,263
+HK$4,260/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$140,006/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,282
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,248
−HK$1,994/mo
Today · 4.125%
HK$77,242
baseline
▲ 0.50% · 4.625%
HK$81,313
+HK$4,071/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,484/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,047
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,506
−HK$2,498/mo
Today · 4.125%
HK$84,004
baseline
▲ 0.50% · 4.625%
HK$89,115
+HK$5,111/mo
Deposit HK$11.56M · loan HK$17.33M · min. income ≈ HK$168,008/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,939
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,297
−HK$2,393/mo
Today · 4.125%
HK$92,690
baseline
▲ 0.50% · 4.625%
HK$97,576
+HK$4,886/mo
Deposit HK$11.56M · loan HK$17.33M · min. income ≈ HK$185,380/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,221
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,090
−HK$2,914/mo
Today · 4.125%
HK$98,004
baseline
▲ 0.50% · 4.625%
HK$103,968
+HK$5,964/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$196,008/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,595
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,347
−HK$2,791/mo
Today · 4.125%
HK$108,138
baseline
▲ 0.50% · 4.625%
HK$113,838
+HK$5,700/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$216,276/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,570
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$122,258
−HK$3,748/mo
Today · 4.125%
HK$126,006
baseline
▲ 0.50% · 4.625%
HK$133,673
+HK$7,667/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,012/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,908
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$135,446
−HK$3,589/mo
Today · 4.125%
HK$139,035
baseline
▲ 0.50% · 4.625%
HK$146,363
+HK$7,328/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,070/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,746 · Scale 2, in force from 26 Feb 2026)