LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,975
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,716
−HK$1,769/mo
Today · 4.125%
HK$59,485
baseline
▲ 0.50% · 4.625%
HK$63,105
+HK$3,620/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,970/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,272
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,942
−HK$1,694/mo
Today · 4.125%
HK$65,636
baseline
▲ 0.50% · 4.625%
HK$69,096
+HK$3,460/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,272/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,170
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,259
−HK$2,123/mo
Today · 4.125%
HK$71,382
baseline
▲ 0.50% · 4.625%
HK$75,726
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,764/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,726
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,730
−HK$2,033/mo
Today · 4.125%
HK$78,763
baseline
▲ 0.50% · 4.625%
HK$82,915
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,526/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,365
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,803
−HK$2,476/mo
Today · 4.125%
HK$83,279
baseline
▲ 0.50% · 4.625%
HK$88,347
+HK$5,068/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,558/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,180
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,518
−HK$2,372/mo
Today · 4.125%
HK$91,890
baseline
▲ 0.50% · 4.625%
HK$96,734
+HK$4,844/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,780/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,755
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,889
−HK$3,184/mo
Today · 4.125%
HK$107,073
baseline
▲ 0.50% · 4.625%
HK$113,588
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,146/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,089
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,095
−HK$3,050/mo
Today · 4.125%
HK$118,145
baseline
▲ 0.50% · 4.625%
HK$124,372
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,290/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,277 · Scale 2, in force from 26 Feb 2026)