LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,583
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,343
−HK$1,788/mo
Today · 4.125%
HK$60,131
baseline
▲ 0.50% · 4.625%
HK$63,790
+HK$3,659/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$120,262/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,947
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,636
−HK$1,712/mo
Today · 4.125%
HK$66,348
baseline
▲ 0.50% · 4.625%
HK$69,846
+HK$3,498/mo
Deposit HK$12.41M · loan HK$12.41M · min. income ≈ HK$132,696/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,054,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,899
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,011
−HK$2,146/mo
Today · 4.125%
HK$72,157
baseline
▲ 0.50% · 4.625%
HK$76,547
+HK$4,390/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$144,314/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,537
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,563
−HK$2,055/mo
Today · 4.125%
HK$79,618
baseline
▲ 0.50% · 4.625%
HK$83,815
+HK$4,197/mo
Deposit HK$9.93M · loan HK$14.89M · min. income ≈ HK$159,236/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,054,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,216
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,680
−HK$2,503/mo
Today · 4.125%
HK$84,183
baseline
▲ 0.50% · 4.625%
HK$89,305
+HK$5,122/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,366/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,126
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,490
−HK$2,398/mo
Today · 4.125%
HK$92,888
baseline
▲ 0.50% · 4.625%
HK$97,784
+HK$4,896/mo
Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$185,776/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,849
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$105,017
−HK$3,218/mo
Today · 4.125%
HK$108,235
baseline
▲ 0.50% · 4.625%
HK$114,821
+HK$6,586/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$216,470/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,305
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,344
−HK$3,083/mo
Today · 4.125%
HK$119,427
baseline
▲ 0.50% · 4.625%
HK$125,722
+HK$6,295/mo
Deposit HK$2.48M · loan HK$22.33M · min. income ≈ HK$238,854/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$1,054,600 · Scale 2, in force from 26 Feb 2026)