LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,945
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,996
−HK$2,084/mo
Today · 4.125%
HK$70,080
baseline
▲ 0.50% · 4.625%
HK$74,345
+HK$4,265/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$140,160/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,363
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,331
−HK$1,996/mo
Today · 4.125%
HK$77,327
baseline
▲ 0.50% · 4.625%
HK$81,403
+HK$4,076/mo
Deposit HK$14.46M · loan HK$14.46M · min. income ≈ HK$154,654/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,134
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,596
−HK$2,500/mo
Today · 4.125%
HK$84,096
baseline
▲ 0.50% · 4.625%
HK$89,214
+HK$5,118/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$168,192/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,036
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,397
−HK$2,395/mo
Today · 4.125%
HK$92,792
baseline
▲ 0.50% · 4.625%
HK$97,683
+HK$4,891/mo
Deposit HK$11.57M · loan HK$17.35M · min. income ≈ HK$185,584/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,323
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,195
−HK$2,918/mo
Today · 4.125%
HK$98,113
baseline
▲ 0.50% · 4.625%
HK$104,082
+HK$5,969/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$196,226/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,708
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,463
−HK$2,795/mo
Today · 4.125%
HK$108,258
baseline
▲ 0.50% · 4.625%
HK$113,964
+HK$5,706/mo
Deposit HK$8.68M · loan HK$20.24M · min. income ≈ HK$216,516/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,701
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$122,393
−HK$3,752/mo
Today · 4.125%
HK$126,145
baseline
▲ 0.50% · 4.625%
HK$133,820
+HK$7,675/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$252,290/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,054
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$135,595
−HK$3,593/mo
Today · 4.125%
HK$139,188
baseline
▲ 0.50% · 4.625%
HK$146,525
+HK$7,337/mo
Deposit HK$2.89M · loan HK$26.03M · min. income ≈ HK$278,376/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,101 · Scale 2, in force from 26 Feb 2026)