LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,349
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$2,097/mo
Today · 4.125%
HK$70,510
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$4,290/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,020/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,813
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,792
−HK$2,009/mo
Today · 4.125%
HK$77,801
baseline
▲ 0.50% · 4.625%
HK$81,902
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,602/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,619
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,096
−HK$2,516/mo
Today · 4.125%
HK$84,612
baseline
▲ 0.50% · 4.625%
HK$89,760
+HK$5,148/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,224/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,575
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,951
−HK$2,410/mo
Today · 4.125%
HK$93,361
baseline
▲ 0.50% · 4.625%
HK$98,282
+HK$4,921/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,722/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,889
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,778
−HK$2,936/mo
Today · 4.125%
HK$98,714
baseline
▲ 0.50% · 4.625%
HK$104,720
+HK$6,006/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,428/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,338
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,109
−HK$2,812/mo
Today · 4.125%
HK$108,921
baseline
▲ 0.50% · 4.625%
HK$114,662
+HK$5,741/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,842/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,428
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,143
−HK$3,775/mo
Today · 4.125%
HK$126,918
baseline
▲ 0.50% · 4.625%
HK$134,640
+HK$7,722/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,836/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,863
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$136,426
−HK$3,615/mo
Today · 4.125%
HK$140,041
baseline
▲ 0.50% · 4.625%
HK$147,423
+HK$7,382/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,082/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,632 · Scale 2, in force from 26 Feb 2026)