LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,255
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,974
−HK$1,746/mo
Today · 4.125%
HK$58,720
baseline
▲ 0.50% · 4.625%
HK$62,293
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,440/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,471
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,119
−HK$1,673/mo
Today · 4.125%
HK$64,792
baseline
▲ 0.50% · 4.625%
HK$68,207
+HK$3,415/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,584/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,306
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,368
−HK$2,096/mo
Today · 4.125%
HK$70,464
baseline
▲ 0.50% · 4.625%
HK$74,751
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,928/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,765
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,743
−HK$2,007/mo
Today · 4.125%
HK$77,750
baseline
▲ 0.50% · 4.625%
HK$81,848
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,500/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,357
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,763
−HK$2,445/mo
Today · 4.125%
HK$82,208
baseline
▲ 0.50% · 4.625%
HK$87,210
+HK$5,002/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,416/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,059
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,367
−HK$2,341/mo
Today · 4.125%
HK$90,708
baseline
▲ 0.50% · 4.625%
HK$95,490
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,416/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,459
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,553
−HK$3,143/mo
Today · 4.125%
HK$105,696
baseline
▲ 0.50% · 4.625%
HK$112,127
+HK$6,431/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,392/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,647
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,614
−HK$3,011/mo
Today · 4.125%
HK$116,625
baseline
▲ 0.50% · 4.625%
HK$122,772
+HK$6,147/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,250/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,856 · Scale 2, in force from 26 Feb 2026)