LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,423
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,147
−HK$1,752/mo
Today · 4.125%
HK$58,899
baseline
▲ 0.50% · 4.625%
HK$62,482
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,798/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,658
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,311
−HK$1,678/mo
Today · 4.125%
HK$64,989
baseline
▲ 0.50% · 4.625%
HK$68,414
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,978/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,508
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$68,576
−HK$2,102/mo
Today · 4.125%
HK$70,678
baseline
▲ 0.50% · 4.625%
HK$74,979
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,356/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,032,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,989
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,973
−HK$2,014/mo
Today · 4.125%
HK$77,987
baseline
▲ 0.50% · 4.625%
HK$82,097
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,974/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,032,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,592
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,006
−HK$2,452/mo
Today · 4.125%
HK$82,458
baseline
▲ 0.50% · 4.625%
HK$87,475
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,916/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,321
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,636
−HK$2,348/mo
Today · 4.125%
HK$90,984
baseline
▲ 0.50% · 4.625%
HK$95,780
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,968/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,762
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,865
−HK$3,152/mo
Today · 4.125%
HK$106,017
baseline
▲ 0.50% · 4.625%
HK$112,468
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,034/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,984
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,960
−HK$3,020/mo
Today · 4.125%
HK$116,980
baseline
▲ 0.50% · 4.625%
HK$123,146
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$233,960/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,990 · Scale 2, in force from 26 Feb 2026)