LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,198
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,257
−HK$2,092/mo
Today · 4.125%
HK$70,349
baseline
▲ 0.50% · 4.625%
HK$74,630
+HK$4,281/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,698/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,645
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,620
−HK$2,004/mo
Today · 4.125%
HK$77,624
baseline
▲ 0.50% · 4.625%
HK$81,715
+HK$4,091/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,248/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,438
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,909
−HK$2,510/mo
Today · 4.125%
HK$84,419
baseline
▲ 0.50% · 4.625%
HK$89,556
+HK$5,137/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,838/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,374
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,744
−HK$2,404/mo
Today · 4.125%
HK$93,148
baseline
▲ 0.50% · 4.625%
HK$98,058
+HK$4,910/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,296/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,677
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$95,560
−HK$2,929/mo
Today · 4.125%
HK$98,489
baseline
▲ 0.50% · 4.625%
HK$104,482
+HK$5,993/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,978/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,103
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,868
−HK$2,805/mo
Today · 4.125%
HK$108,673
baseline
▲ 0.50% · 4.625%
HK$114,401
+HK$5,728/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,346/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,157
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,863
−HK$3,766/mo
Today · 4.125%
HK$126,629
baseline
▲ 0.50% · 4.625%
HK$134,334
+HK$7,705/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,258/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,560
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,116
−HK$3,606/mo
Today · 4.125%
HK$139,722
baseline
▲ 0.50% · 4.625%
HK$147,087
+HK$7,365/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,444/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,817 · Scale 2, in force from 26 Feb 2026)