LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,102
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,159
−HK$2,089/mo
Today · 4.125%
HK$70,248
baseline
▲ 0.50% · 4.625%
HK$74,522
+HK$4,274/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,496/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,538
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,510
−HK$2,001/mo
Today · 4.125%
HK$77,511
baseline
▲ 0.50% · 4.625%
HK$81,597
+HK$4,086/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$155,022/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,232,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,323
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,790
−HK$2,507/mo
Today · 4.125%
HK$84,297
baseline
▲ 0.50% · 4.625%
HK$89,426
+HK$5,129/mo
Deposit HK$11.60M · loan HK$17.39M · min. income ≈ HK$168,594/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,246
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,613
−HK$2,400/mo
Today · 4.125%
HK$93,013
baseline
▲ 0.50% · 4.625%
HK$97,916
+HK$4,903/mo
Deposit HK$11.60M · loan HK$17.39M · min. income ≈ HK$186,026/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,232,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,543
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,422
−HK$2,925/mo
Today · 4.125%
HK$98,347
baseline
▲ 0.50% · 4.625%
HK$104,331
+HK$5,984/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$196,694/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,953
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,715
−HK$2,801/mo
Today · 4.125%
HK$108,516
baseline
▲ 0.50% · 4.625%
HK$114,236
+HK$5,720/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$217,032/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,232,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,984
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,685
−HK$3,761/mo
Today · 4.125%
HK$126,446
baseline
▲ 0.50% · 4.625%
HK$134,140
+HK$7,694/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,892/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,369
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$135,919
−HK$3,601/mo
Today · 4.125%
HK$139,520
baseline
▲ 0.50% · 4.625%
HK$146,875
+HK$7,355/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,040/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,033 · Scale 2, in force from 26 Feb 2026)