LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,911
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,962
−HK$2,083/mo
Today · 4.125%
HK$70,045
baseline
▲ 0.50% · 4.625%
HK$74,307
+HK$4,262/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,090/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,326
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,292
−HK$1,995/mo
Today · 4.125%
HK$77,287
baseline
▲ 0.50% · 4.625%
HK$81,361
+HK$4,074/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,574/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,094
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,554
−HK$2,500/mo
Today · 4.125%
HK$84,054
baseline
▲ 0.50% · 4.625%
HK$89,168
+HK$5,114/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$168,108/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,991
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,351
−HK$2,394/mo
Today · 4.125%
HK$92,745
baseline
▲ 0.50% · 4.625%
HK$97,634
+HK$4,889/mo
Deposit HK$11.56M · loan HK$17.34M · min. income ≈ HK$185,490/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,276
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,146
−HK$2,917/mo
Today · 4.125%
HK$98,063
baseline
▲ 0.50% · 4.625%
HK$104,029
+HK$5,966/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$196,126/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,656
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,409
−HK$2,793/mo
Today · 4.125%
HK$108,202
baseline
▲ 0.50% · 4.625%
HK$113,906
+HK$5,704/mo
Deposit HK$8.67M · loan HK$20.23M · min. income ≈ HK$216,404/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,641
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$122,331
−HK$3,749/mo
Today · 4.125%
HK$126,080
baseline
▲ 0.50% · 4.625%
HK$133,752
+HK$7,672/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$252,160/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,987
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$135,526
−HK$3,591/mo
Today · 4.125%
HK$139,117
baseline
▲ 0.50% · 4.625%
HK$146,450
+HK$7,333/mo
Deposit HK$2.89M · loan HK$26.01M · min. income ≈ HK$278,234/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,475 · Scale 2, in force from 26 Feb 2026)