LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,916
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,656
−HK$1,767/mo
Today · 4.125%
HK$59,423
baseline
▲ 0.50% · 4.625%
HK$63,038
+HK$3,615/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$118,846/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,206
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,875
−HK$1,692/mo
Today · 4.125%
HK$65,567
baseline
▲ 0.50% · 4.625%
HK$69,023
+HK$3,456/mo
Deposit HK$12.26M · loan HK$12.26M · min. income ≈ HK$131,134/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,042,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,099
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$69,187
−HK$2,120/mo
Today · 4.125%
HK$71,307
baseline
▲ 0.50% · 4.625%
HK$75,646
+HK$4,339/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$142,614/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,648
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,650
−HK$2,030/mo
Today · 4.125%
HK$78,680
baseline
▲ 0.50% · 4.625%
HK$82,828
+HK$4,148/mo
Deposit HK$9.81M · loan HK$14.71M · min. income ≈ HK$157,360/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,042,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,283
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,718
−HK$2,474/mo
Today · 4.125%
HK$83,192
baseline
▲ 0.50% · 4.625%
HK$88,254
+HK$5,062/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,384/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,089
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,424
−HK$2,370/mo
Today · 4.125%
HK$91,794
baseline
▲ 0.50% · 4.625%
HK$96,632
+HK$4,838/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,588/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,649
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$103,780
−HK$3,181/mo
Today · 4.125%
HK$106,961
baseline
▲ 0.50% · 4.625%
HK$113,469
+HK$6,508/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$213,922/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,971
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$114,974
−HK$3,047/mo
Today · 4.125%
HK$118,021
baseline
▲ 0.50% · 4.625%
HK$124,242
+HK$6,221/mo
Deposit HK$2.45M · loan HK$22.07M · min. income ≈ HK$236,042/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,042,182 · Scale 2, in force from 26 Feb 2026)