LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,176
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,235
−HK$2,091/mo
Today · 4.125%
HK$70,326
baseline
▲ 0.50% · 4.625%
HK$74,605
+HK$4,279/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,652/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,621
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,595
−HK$2,003/mo
Today · 4.125%
HK$77,598
baseline
▲ 0.50% · 4.625%
HK$81,688
+HK$4,090/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,196/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,412
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,882
−HK$2,510/mo
Today · 4.125%
HK$84,392
baseline
▲ 0.50% · 4.625%
HK$89,527
+HK$5,135/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,784/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,345
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,714
−HK$2,404/mo
Today · 4.125%
HK$93,118
baseline
▲ 0.50% · 4.625%
HK$98,026
+HK$4,908/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,236/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,647
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,529
−HK$2,928/mo
Today · 4.125%
HK$98,457
baseline
▲ 0.50% · 4.625%
HK$104,448
+HK$5,991/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,914/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,069
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,833
−HK$2,804/mo
Today · 4.125%
HK$108,637
baseline
▲ 0.50% · 4.625%
HK$114,364
+HK$5,727/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,274/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,118
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,823
−HK$3,764/mo
Today · 4.125%
HK$126,587
baseline
▲ 0.50% · 4.625%
HK$134,290
+HK$7,703/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,174/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,517
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,071
−HK$3,606/mo
Today · 4.125%
HK$139,677
baseline
▲ 0.50% · 4.625%
HK$147,039
+HK$7,362/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,354/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,414 · Scale 2, in force from 26 Feb 2026)