LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,039
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,751
−HK$1,739/mo
Today · 4.125%
HK$58,490
baseline
▲ 0.50% · 4.625%
HK$62,049
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,980/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,230
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,872
−HK$1,666/mo
Today · 4.125%
HK$64,538
baseline
▲ 0.50% · 4.625%
HK$67,940
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,076/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,047
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,101
−HK$2,087/mo
Today · 4.125%
HK$70,188
baseline
▲ 0.50% · 4.625%
HK$74,459
+HK$4,271/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,376/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,476
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,447
−HK$1,999/mo
Today · 4.125%
HK$77,446
baseline
▲ 0.50% · 4.625%
HK$81,528
+HK$4,082/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,892/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,054
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,451
−HK$2,435/mo
Today · 4.125%
HK$81,886
baseline
▲ 0.50% · 4.625%
HK$86,869
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,772/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,722
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,021
−HK$2,333/mo
Today · 4.125%
HK$90,354
baseline
▲ 0.50% · 4.625%
HK$95,116
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,708/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,070
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,152
−HK$3,130/mo
Today · 4.125%
HK$105,282
baseline
▲ 0.50% · 4.625%
HK$111,689
+HK$6,407/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,564/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,214
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,170
−HK$2,999/mo
Today · 4.125%
HK$116,169
baseline
▲ 0.50% · 4.625%
HK$122,292
+HK$6,123/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,338/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,828 · Scale 2, in force from 26 Feb 2026)