LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,804
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,881
−HK$2,112/mo
Today · 4.125%
HK$70,993
baseline
▲ 0.50% · 4.625%
HK$75,312
+HK$4,319/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,986/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,318
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,311
−HK$2,022/mo
Today · 4.125%
HK$78,333
baseline
▲ 0.50% · 4.625%
HK$82,463
+HK$4,130/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,666/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,164
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,658
−HK$2,533/mo
Today · 4.125%
HK$85,191
baseline
▲ 0.50% · 4.625%
HK$90,375
+HK$5,184/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,382/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,182
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,574
−HK$2,426/mo
Today · 4.125%
HK$94,000
baseline
▲ 0.50% · 4.625%
HK$98,955
+HK$4,955/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,000/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,525
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,434
−HK$2,956/mo
Today · 4.125%
HK$99,390
baseline
▲ 0.50% · 4.625%
HK$105,437
+HK$6,047/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,780/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,046
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,836
−HK$2,831/mo
Today · 4.125%
HK$109,667
baseline
▲ 0.50% · 4.625%
HK$115,448
+HK$5,781/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,334/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,246
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$123,987
−HK$3,800/mo
Today · 4.125%
HK$127,787
baseline
▲ 0.50% · 4.625%
HK$135,562
+HK$7,775/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,574/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,773
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,361
−HK$3,639/mo
Today · 4.125%
HK$141,000
baseline
▲ 0.50% · 4.625%
HK$148,433
+HK$7,433/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$282,000/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,102 · Scale 2, in force from 26 Feb 2026)