LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,537
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,296
−HK$1,787/mo
Today · 4.125%
HK$60,083
baseline
▲ 0.50% · 4.625%
HK$63,739
+HK$3,656/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$120,166/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,897
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,584
−HK$1,711/mo
Today · 4.125%
HK$66,295
baseline
▲ 0.50% · 4.625%
HK$69,790
+HK$3,495/mo
Deposit HK$12.40M · loan HK$12.40M · min. income ≈ HK$132,590/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,053,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,845
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,955
−HK$2,144/mo
Today · 4.125%
HK$72,099
baseline
▲ 0.50% · 4.625%
HK$76,486
+HK$4,387/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$144,198/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,477
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,501
−HK$2,054/mo
Today · 4.125%
HK$79,555
baseline
▲ 0.50% · 4.625%
HK$83,748
+HK$4,193/mo
Deposit HK$9.92M · loan HK$14.88M · min. income ≈ HK$159,110/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,053,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,152
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,614
−HK$2,502/mo
Today · 4.125%
HK$84,116
baseline
▲ 0.50% · 4.625%
HK$89,234
+HK$5,118/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$168,232/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,056
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,418
−HK$2,396/mo
Today · 4.125%
HK$92,814
baseline
▲ 0.50% · 4.625%
HK$97,706
+HK$4,892/mo
Deposit HK$7.44M · loan HK$17.36M · min. income ≈ HK$185,628/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$1,053,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,767
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,933
−HK$3,216/mo
Today · 4.125%
HK$108,149
baseline
▲ 0.50% · 4.625%
HK$114,730
+HK$6,581/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$216,298/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,215
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,252
−HK$3,080/mo
Today · 4.125%
HK$119,332
baseline
▲ 0.50% · 4.625%
HK$125,622
+HK$6,290/mo
Deposit HK$2.48M · loan HK$22.31M · min. income ≈ HK$238,664/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,053,759 · Scale 2, in force from 26 Feb 2026)