LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,051
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,764
−HK$1,739/mo
Today · 4.125%
HK$58,503
baseline
▲ 0.50% · 4.625%
HK$62,063
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,006/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,244
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,886
−HK$1,667/mo
Today · 4.125%
HK$64,553
baseline
▲ 0.50% · 4.625%
HK$67,955
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,106/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,061
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,116
−HK$2,088/mo
Today · 4.125%
HK$70,204
baseline
▲ 0.50% · 4.625%
HK$74,476
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,408/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,493
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,464
−HK$1,999/mo
Today · 4.125%
HK$77,463
baseline
▲ 0.50% · 4.625%
HK$81,546
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,926/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,072
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,469
−HK$2,436/mo
Today · 4.125%
HK$81,905
baseline
▲ 0.50% · 4.625%
HK$86,888
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,810/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,741
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,041
−HK$2,333/mo
Today · 4.125%
HK$90,374
baseline
▲ 0.50% · 4.625%
HK$95,138
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,748/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,092
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,174
−HK$3,132/mo
Today · 4.125%
HK$105,306
baseline
▲ 0.50% · 4.625%
HK$111,714
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,612/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,239
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,196
−HK$2,999/mo
Today · 4.125%
HK$116,195
baseline
▲ 0.50% · 4.625%
HK$122,320
+HK$6,125/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,390/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,058 · Scale 2, in force from 26 Feb 2026)