LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,208
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,267
−HK$2,093/mo
Today · 4.125%
HK$70,360
baseline
▲ 0.50% · 4.625%
HK$74,641
+HK$4,281/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,720/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,656
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,631
−HK$2,004/mo
Today · 4.125%
HK$77,635
baseline
▲ 0.50% · 4.625%
HK$81,727
+HK$4,092/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,270/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,450
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,921
−HK$2,511/mo
Today · 4.125%
HK$84,432
baseline
▲ 0.50% · 4.625%
HK$89,569
+HK$5,137/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,864/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,387
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,757
−HK$2,405/mo
Today · 4.125%
HK$93,162
baseline
▲ 0.50% · 4.625%
HK$98,073
+HK$4,911/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,324/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,691
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,574
−HK$2,930/mo
Today · 4.125%
HK$98,504
baseline
▲ 0.50% · 4.625%
HK$104,497
+HK$5,993/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$197,008/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,234,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,118
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,883
−HK$2,806/mo
Today · 4.125%
HK$108,689
baseline
▲ 0.50% · 4.625%
HK$114,418
+HK$5,729/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,378/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,234,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,174
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,881
−HK$3,767/mo
Today · 4.125%
HK$126,648
baseline
▲ 0.50% · 4.625%
HK$134,354
+HK$7,706/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,296/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,580
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,136
−HK$3,607/mo
Today · 4.125%
HK$139,743
baseline
▲ 0.50% · 4.625%
HK$147,109
+HK$7,366/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,486/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,000 · Scale 2, in force from 26 Feb 2026)