LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,420
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,144
−HK$1,751/mo
Today · 4.125%
HK$58,895
baseline
▲ 0.50% · 4.625%
HK$62,479
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,790/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,654
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,308
−HK$1,677/mo
Today · 4.125%
HK$64,985
baseline
▲ 0.50% · 4.625%
HK$68,411
+HK$3,426/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,970/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,504
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,573
−HK$2,102/mo
Today · 4.125%
HK$70,675
baseline
▲ 0.50% · 4.625%
HK$74,975
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,350/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,985
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,969
−HK$2,013/mo
Today · 4.125%
HK$77,982
baseline
▲ 0.50% · 4.625%
HK$82,093
+HK$4,111/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,964/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,588
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,002
−HK$2,452/mo
Today · 4.125%
HK$82,454
baseline
▲ 0.50% · 4.625%
HK$87,471
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,908/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,316
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,631
−HK$2,349/mo
Today · 4.125%
HK$90,980
baseline
▲ 0.50% · 4.625%
HK$95,775
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,960/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,756
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,859
−HK$3,153/mo
Today · 4.125%
HK$106,012
baseline
▲ 0.50% · 4.625%
HK$112,462
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$212,024/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,978
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,954
−HK$3,020/mo
Today · 4.125%
HK$116,974
baseline
▲ 0.50% · 4.625%
HK$123,139
+HK$6,165/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,948/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,935 · Scale 2, in force from 26 Feb 2026)