LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,966
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,707
−HK$1,768/mo
Today · 4.125%
HK$59,475
baseline
▲ 0.50% · 4.625%
HK$63,094
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,950/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,261
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,931
−HK$1,694/mo
Today · 4.125%
HK$65,625
baseline
▲ 0.50% · 4.625%
HK$69,084
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,250/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,159
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,248
−HK$2,122/mo
Today · 4.125%
HK$71,370
baseline
▲ 0.50% · 4.625%
HK$75,713
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,740/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,714
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,717
−HK$2,033/mo
Today · 4.125%
HK$78,750
baseline
▲ 0.50% · 4.625%
HK$82,901
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,500/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,352
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,789
−HK$2,477/mo
Today · 4.125%
HK$83,266
baseline
▲ 0.50% · 4.625%
HK$88,332
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,532/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,166
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,504
−HK$2,371/mo
Today · 4.125%
HK$91,875
baseline
▲ 0.50% · 4.625%
HK$96,718
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,750/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,738
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,872
−HK$3,184/mo
Today · 4.125%
HK$107,056
baseline
▲ 0.50% · 4.625%
HK$113,570
+HK$6,514/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,112/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,071
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,076
−HK$3,049/mo
Today · 4.125%
HK$118,125
baseline
▲ 0.50% · 4.625%
HK$124,352
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,250/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,105 · Scale 2, in force from 26 Feb 2026)