LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,325
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,388
−HK$2,096/mo
Today · 4.125%
HK$70,484
baseline
▲ 0.50% · 4.625%
HK$74,773
+HK$4,289/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,968/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,786
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,765
−HK$2,007/mo
Today · 4.125%
HK$77,772
baseline
▲ 0.50% · 4.625%
HK$81,872
+HK$4,100/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,544/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,590
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,066
−HK$2,515/mo
Today · 4.125%
HK$84,581
baseline
▲ 0.50% · 4.625%
HK$89,727
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,162/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,543
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,918
−HK$2,409/mo
Today · 4.125%
HK$93,327
baseline
▲ 0.50% · 4.625%
HK$98,246
+HK$4,919/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,654/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,855
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,743
−HK$2,935/mo
Today · 4.125%
HK$98,678
baseline
▲ 0.50% · 4.625%
HK$104,682
+HK$6,004/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$197,356/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,300
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,071
−HK$2,810/mo
Today · 4.125%
HK$108,881
baseline
▲ 0.50% · 4.625%
HK$114,620
+HK$5,739/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$217,762/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,385
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,098
−HK$3,773/mo
Today · 4.125%
HK$126,871
baseline
▲ 0.50% · 4.625%
HK$134,591
+HK$7,720/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$253,742/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,814
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,376
−HK$3,614/mo
Today · 4.125%
HK$139,990
baseline
▲ 0.50% · 4.625%
HK$147,369
+HK$7,379/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$279,980/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,181 · Scale 2, in force from 26 Feb 2026)