LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,476
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,202
−HK$1,753/mo
Today · 4.125%
HK$58,955
baseline
▲ 0.50% · 4.625%
HK$62,543
+HK$3,588/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,910/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,717
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,372
−HK$1,679/mo
Today · 4.125%
HK$65,051
baseline
▲ 0.50% · 4.625%
HK$68,480
+HK$3,429/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,102/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,572
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,643
−HK$2,103/mo
Today · 4.125%
HK$70,746
baseline
▲ 0.50% · 4.625%
HK$75,051
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,492/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,060
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,047
−HK$2,015/mo
Today · 4.125%
HK$78,062
baseline
▲ 0.50% · 4.625%
HK$82,176
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,124/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,667
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,083
−HK$2,454/mo
Today · 4.125%
HK$82,537
baseline
▲ 0.50% · 4.625%
HK$87,560
+HK$5,023/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,074/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,404
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,721
−HK$2,351/mo
Today · 4.125%
HK$91,072
baseline
▲ 0.50% · 4.625%
HK$95,872
+HK$4,800/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,144/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,858
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,964
−HK$3,156/mo
Today · 4.125%
HK$106,120
baseline
▲ 0.50% · 4.625%
HK$112,577
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,240/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,091
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,070
−HK$3,023/mo
Today · 4.125%
HK$117,093
baseline
▲ 0.50% · 4.625%
HK$123,265
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,186/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,985 · Scale 2, in force from 26 Feb 2026)