LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,997
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,739
−HK$1,770/mo
Today · 4.125%
HK$59,509
baseline
▲ 0.50% · 4.625%
HK$63,130
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,018/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,296
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,967
−HK$1,695/mo
Today · 4.125%
HK$65,662
baseline
▲ 0.50% · 4.625%
HK$69,123
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,324/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,197
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,287
−HK$2,123/mo
Today · 4.125%
HK$71,410
baseline
▲ 0.50% · 4.625%
HK$75,756
+HK$4,346/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,820/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,756
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,760
−HK$2,034/mo
Today · 4.125%
HK$78,794
baseline
▲ 0.50% · 4.625%
HK$82,948
+HK$4,154/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,588/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,396
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,835
−HK$2,477/mo
Today · 4.125%
HK$83,312
baseline
▲ 0.50% · 4.625%
HK$88,381
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,624/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,215
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,554
−HK$2,373/mo
Today · 4.125%
HK$91,927
baseline
▲ 0.50% · 4.625%
HK$96,772
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,854/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,795
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,930
−HK$3,186/mo
Today · 4.125%
HK$107,116
baseline
▲ 0.50% · 4.625%
HK$113,633
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,232/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,133
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,141
−HK$3,051/mo
Today · 4.125%
HK$118,192
baseline
▲ 0.50% · 4.625%
HK$124,422
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,384/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,690 · Scale 2, in force from 26 Feb 2026)