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$62,483
+HK$3,584/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$1,032,993 · 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$68,415
+HK$3,426/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$1,032,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,508
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,577
−HK$2,102/mo
Today · 4.125%
HK$70,679
baseline
▲ 0.50% · 4.625%
HK$74,979
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,358/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,032,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,989
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,974
−HK$2,013/mo
Today · 4.125%
HK$77,987
baseline
▲ 0.50% · 4.625%
HK$82,098
+HK$4,111/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$1,032,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,593
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$80,006
−HK$2,452/mo
Today · 4.125%
HK$82,458
baseline
▲ 0.50% · 4.625%
HK$87,476
+HK$5,018/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$1,032,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,321
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,636
−HK$2,349/mo
Today · 4.125%
HK$90,985
baseline
▲ 0.50% · 4.625%
HK$95,781
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,970/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,762
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,865
−HK$3,153/mo
Today · 4.125%
HK$106,018
baseline
▲ 0.50% · 4.625%
HK$112,469
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,036/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,984
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,961
−HK$3,019/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$1,032,993 · Scale 2, in force from 26 Feb 2026)