LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,764
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,467
−HK$1,731/mo
Today · 4.125%
HK$58,198
baseline
▲ 0.50% · 4.625%
HK$61,739
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,396/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,924
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,558
−HK$1,658/mo
Today · 4.125%
HK$64,216
baseline
▲ 0.50% · 4.625%
HK$67,601
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,432/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,717
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,761
−HK$2,077/mo
Today · 4.125%
HK$69,838
baseline
▲ 0.50% · 4.625%
HK$74,087
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,676/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,109
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,070
−HK$1,989/mo
Today · 4.125%
HK$77,059
baseline
▲ 0.50% · 4.625%
HK$81,121
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,118/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,669
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,054
−HK$2,423/mo
Today · 4.125%
HK$81,477
baseline
▲ 0.50% · 4.625%
HK$86,435
+HK$4,958/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,954/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,294
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,581
−HK$2,321/mo
Today · 4.125%
HK$89,902
baseline
▲ 0.50% · 4.625%
HK$94,641
+HK$4,739/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,804/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,575
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,641
−HK$3,115/mo
Today · 4.125%
HK$104,756
baseline
▲ 0.50% · 4.625%
HK$111,131
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,512/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,664
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,605
−HK$2,983/mo
Today · 4.125%
HK$115,588
baseline
▲ 0.50% · 4.625%
HK$121,681
+HK$6,093/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,176/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,703 · Scale 2, in force from 26 Feb 2026)