LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,974
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,684
−HK$1,737/mo
Today · 4.125%
HK$58,421
baseline
▲ 0.50% · 4.625%
HK$61,976
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,842/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,158
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,798
−HK$1,664/mo
Today · 4.125%
HK$64,462
baseline
▲ 0.50% · 4.625%
HK$67,860
+HK$3,398/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,924/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,968
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,020
−HK$2,085/mo
Today · 4.125%
HK$70,105
baseline
▲ 0.50% · 4.625%
HK$74,371
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$140,210/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,389
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,357
−HK$1,997/mo
Today · 4.125%
HK$77,354
baseline
▲ 0.50% · 4.625%
HK$81,431
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$154,708/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,963
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,357
−HK$2,432/mo
Today · 4.125%
HK$81,789
baseline
▲ 0.50% · 4.625%
HK$86,766
+HK$4,977/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,578/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,621
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,917
−HK$2,329/mo
Today · 4.125%
HK$90,246
baseline
▲ 0.50% · 4.625%
HK$95,003
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,492/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,952
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,030
−HK$3,128/mo
Today · 4.125%
HK$105,158
baseline
▲ 0.50% · 4.625%
HK$111,556
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,316/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,084
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,036
−HK$2,995/mo
Today · 4.125%
HK$116,031
baseline
▲ 0.50% · 4.625%
HK$122,147
+HK$6,116/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,062/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,611 · Scale 2, in force from 26 Feb 2026)