LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,873
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,580
−HK$1,734/mo
Today · 4.125%
HK$58,314
baseline
▲ 0.50% · 4.625%
HK$61,863
+HK$3,549/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,628/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,046
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,683
−HK$1,661/mo
Today · 4.125%
HK$64,344
baseline
▲ 0.50% · 4.625%
HK$67,736
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,688/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,848
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,896
−HK$2,081/mo
Today · 4.125%
HK$69,977
baseline
▲ 0.50% · 4.625%
HK$74,235
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,954/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,255
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,220
−HK$1,993/mo
Today · 4.125%
HK$77,213
baseline
▲ 0.50% · 4.625%
HK$81,283
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,426/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,823
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,212
−HK$2,428/mo
Today · 4.125%
HK$81,640
baseline
▲ 0.50% · 4.625%
HK$86,608
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,280/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,464
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,757
−HK$2,325/mo
Today · 4.125%
HK$90,082
baseline
▲ 0.50% · 4.625%
HK$94,830
+HK$4,748/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,164/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,772
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,844
−HK$3,122/mo
Today · 4.125%
HK$104,966
baseline
▲ 0.50% · 4.625%
HK$111,353
+HK$6,387/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,932/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,883
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,830
−HK$2,990/mo
Today · 4.125%
HK$115,820
baseline
▲ 0.50% · 4.625%
HK$121,925
+HK$6,105/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,640/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,744 · Scale 2, in force from 26 Feb 2026)