LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,969
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,021
−HK$2,085/mo
Today · 4.125%
HK$70,106
baseline
▲ 0.50% · 4.625%
HK$74,372
+HK$4,266/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,212/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,390
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,359
−HK$1,996/mo
Today · 4.125%
HK$77,355
baseline
▲ 0.50% · 4.625%
HK$81,433
+HK$4,078/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,710/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,229,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,163
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,626
−HK$2,501/mo
Today · 4.125%
HK$84,127
baseline
▲ 0.50% · 4.625%
HK$89,246
+HK$5,119/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$168,254/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,068
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,430
−HK$2,396/mo
Today · 4.125%
HK$92,826
baseline
▲ 0.50% · 4.625%
HK$97,719
+HK$4,893/mo
Deposit HK$11.57M · loan HK$17.36M · min. income ≈ HK$185,652/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,229,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,357
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,230
−HK$2,919/mo
Today · 4.125%
HK$98,149
baseline
▲ 0.50% · 4.625%
HK$104,121
+HK$5,972/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$196,298/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,746
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,502
−HK$2,795/mo
Today · 4.125%
HK$108,297
baseline
▲ 0.50% · 4.625%
HK$114,006
+HK$5,709/mo
Deposit HK$8.68M · loan HK$20.25M · min. income ≈ HK$216,594/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,229,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,745
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,438
−HK$3,753/mo
Today · 4.125%
HK$126,191
baseline
▲ 0.50% · 4.625%
HK$133,870
+HK$7,679/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$252,382/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,102
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,645
−HK$3,595/mo
Today · 4.125%
HK$139,240
baseline
▲ 0.50% · 4.625%
HK$146,579
+HK$7,339/mo
Deposit HK$2.89M · loan HK$26.04M · min. income ≈ HK$278,480/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,229,554 · Scale 2, in force from 26 Feb 2026)