LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,420
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,486
−HK$2,099/mo
Today · 4.125%
HK$70,585
baseline
▲ 0.50% · 4.625%
HK$74,880
+HK$4,295/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,170/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,892
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,873
−HK$2,011/mo
Today · 4.125%
HK$77,884
baseline
▲ 0.50% · 4.625%
HK$81,989
+HK$4,105/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,768/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,704
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,183
−HK$2,519/mo
Today · 4.125%
HK$84,702
baseline
▲ 0.50% · 4.625%
HK$89,856
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$169,404/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,670
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,048
−HK$2,412/mo
Today · 4.125%
HK$93,460
baseline
▲ 0.50% · 4.625%
HK$98,387
+HK$4,927/mo
Deposit HK$11.65M · loan HK$17.48M · min. income ≈ HK$186,920/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,988
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$95,880
−HK$2,939/mo
Today · 4.125%
HK$98,819
baseline
▲ 0.50% · 4.625%
HK$104,832
+HK$6,013/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,638/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,448
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$106,223
−HK$2,814/mo
Today · 4.125%
HK$109,037
baseline
▲ 0.50% · 4.625%
HK$114,785
+HK$5,748/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,074/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,237,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,556
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$123,275
−HK$3,778/mo
Today · 4.125%
HK$127,053
baseline
▲ 0.50% · 4.625%
HK$134,784
+HK$7,731/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$254,106/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,005
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$136,572
−HK$3,619/mo
Today · 4.125%
HK$140,191
baseline
▲ 0.50% · 4.625%
HK$147,580
+HK$7,389/mo
Deposit HK$2.91M · loan HK$26.22M · min. income ≈ HK$280,382/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,953 · Scale 2, in force from 26 Feb 2026)