LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,919
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,969
−HK$2,084/mo
Today · 4.125%
HK$70,053
baseline
▲ 0.50% · 4.625%
HK$74,315
+HK$4,262/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$140,106/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,334
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,301
−HK$1,995/mo
Today · 4.125%
HK$77,296
baseline
▲ 0.50% · 4.625%
HK$81,371
+HK$4,075/mo
Deposit HK$14.45M · loan HK$14.45M · min. income ≈ HK$154,592/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,228,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,103
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,563
−HK$2,500/mo
Today · 4.125%
HK$84,063
baseline
▲ 0.50% · 4.625%
HK$89,178
+HK$5,115/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$168,126/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,001
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,361
−HK$2,394/mo
Today · 4.125%
HK$92,755
baseline
▲ 0.50% · 4.625%
HK$97,645
+HK$4,890/mo
Deposit HK$11.56M · loan HK$17.35M · min. income ≈ HK$185,510/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,228,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,286
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,157
−HK$2,917/mo
Today · 4.125%
HK$98,074
baseline
▲ 0.50% · 4.625%
HK$104,041
+HK$5,967/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$196,148/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,668
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,421
−HK$2,794/mo
Today · 4.125%
HK$108,215
baseline
▲ 0.50% · 4.625%
HK$113,919
+HK$5,704/mo
Deposit HK$8.67M · loan HK$20.24M · min. income ≈ HK$216,430/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$1,228,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,654
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,345
−HK$3,750/mo
Today · 4.125%
HK$126,095
baseline
▲ 0.50% · 4.625%
HK$133,767
+HK$7,672/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$252,190/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,001
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,542
−HK$3,591/mo
Today · 4.125%
HK$139,133
baseline
▲ 0.50% · 4.625%
HK$146,467
+HK$7,334/mo
Deposit HK$2.89M · loan HK$26.02M · min. income ≈ HK$278,266/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,228,614 · Scale 2, in force from 26 Feb 2026)