LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,500
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,226
−HK$1,754/mo
Today · 4.125%
HK$58,980
baseline
▲ 0.50% · 4.625%
HK$62,569
+HK$3,589/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$117,960/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,743
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,399
−HK$1,680/mo
Today · 4.125%
HK$65,079
baseline
▲ 0.50% · 4.625%
HK$68,510
+HK$3,431/mo
Deposit HK$12.17M · loan HK$12.17M · min. income ≈ HK$130,158/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,034,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,600
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,672
−HK$2,105/mo
Today · 4.125%
HK$70,777
baseline
▲ 0.50% · 4.625%
HK$75,083
+HK$4,306/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$141,554/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,092
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,079
−HK$2,016/mo
Today · 4.125%
HK$78,095
baseline
▲ 0.50% · 4.625%
HK$82,211
+HK$4,116/mo
Deposit HK$9.74M · loan HK$14.60M · min. income ≈ HK$156,190/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,034,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,700
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,117
−HK$2,456/mo
Today · 4.125%
HK$82,573
baseline
▲ 0.50% · 4.625%
HK$87,597
+HK$5,024/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$165,146/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,441
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,759
−HK$2,352/mo
Today · 4.125%
HK$91,111
baseline
▲ 0.50% · 4.625%
HK$95,913
+HK$4,802/mo
Deposit HK$7.30M · loan HK$17.04M · min. income ≈ HK$182,222/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$1,034,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,900
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,008
−HK$3,157/mo
Today · 4.125%
HK$106,165
baseline
▲ 0.50% · 4.625%
HK$112,625
+HK$6,460/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$212,330/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,138
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$114,119
−HK$3,023/mo
Today · 4.125%
HK$117,142
baseline
▲ 0.50% · 4.625%
HK$123,317
+HK$6,175/mo
Deposit HK$2.43M · loan HK$21.91M · min. income ≈ HK$234,284/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,034,425 · Scale 2, in force from 26 Feb 2026)