LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,505
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,201
−HK$1,722/mo
Today · 4.125%
HK$57,923
baseline
▲ 0.50% · 4.625%
HK$61,448
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,846/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,637
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,263
−HK$1,650/mo
Today · 4.125%
HK$63,913
baseline
▲ 0.50% · 4.625%
HK$67,281
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,826/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,406
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,441
−HK$2,067/mo
Today · 4.125%
HK$69,508
baseline
▲ 0.50% · 4.625%
HK$73,737
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,016/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,764
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,715
−HK$1,980/mo
Today · 4.125%
HK$76,695
baseline
▲ 0.50% · 4.625%
HK$80,738
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,390/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,307
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,681
−HK$2,412/mo
Today · 4.125%
HK$81,093
baseline
▲ 0.50% · 4.625%
HK$86,027
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,186/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,891
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,168
−HK$2,310/mo
Today · 4.125%
HK$89,478
baseline
▲ 0.50% · 4.625%
HK$94,194
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,956/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,109
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,161
−HK$3,101/mo
Today · 4.125%
HK$104,262
baseline
▲ 0.50% · 4.625%
HK$110,606
+HK$6,344/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,524/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,146
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,073
−HK$2,970/mo
Today · 4.125%
HK$115,043
baseline
▲ 0.50% · 4.625%
HK$121,107
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,086/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,883 · Scale 2, in force from 26 Feb 2026)