LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,744
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,509
−HK$1,793/mo
Today · 4.125%
HK$60,302
baseline
▲ 0.50% · 4.625%
HK$63,972
+HK$3,670/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$120,604/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,127
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,820
−HK$1,718/mo
Today · 4.125%
HK$66,538
baseline
▲ 0.50% · 4.625%
HK$70,045
+HK$3,507/mo
Deposit HK$12.44M · loan HK$12.44M · min. income ≈ HK$133,076/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,093
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,211
−HK$2,152/mo
Today · 4.125%
HK$72,363
baseline
▲ 0.50% · 4.625%
HK$76,766
+HK$4,403/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$144,726/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,753
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,784
−HK$2,061/mo
Today · 4.125%
HK$79,845
baseline
▲ 0.50% · 4.625%
HK$84,054
+HK$4,209/mo
Deposit HK$9.95M · loan HK$14.93M · min. income ≈ HK$159,690/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,057,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,442
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,913
−HK$2,510/mo
Today · 4.125%
HK$84,423
baseline
▲ 0.50% · 4.625%
HK$89,560
+HK$5,137/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$168,846/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,378
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,748
−HK$2,405/mo
Today · 4.125%
HK$93,153
baseline
▲ 0.50% · 4.625%
HK$98,063
+HK$4,910/mo
Deposit HK$7.47M · loan HK$17.42M · min. income ≈ HK$186,306/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$1,057,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,139
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,316
−HK$3,228/mo
Today · 4.125%
HK$108,544
baseline
▲ 0.50% · 4.625%
HK$115,149
+HK$6,605/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,088/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,629
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,676
−HK$3,092/mo
Today · 4.125%
HK$119,768
baseline
▲ 0.50% · 4.625%
HK$126,081
+HK$6,313/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,536/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,611 · Scale 2, in force from 26 Feb 2026)