LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,764
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,530
−HK$1,794/mo
Today · 4.125%
HK$60,324
baseline
▲ 0.50% · 4.625%
HK$63,995
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,648/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,150
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,844
−HK$1,718/mo
Today · 4.125%
HK$66,562
baseline
▲ 0.50% · 4.625%
HK$70,070
+HK$3,508/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,124/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,057,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,117
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,236
−HK$2,153/mo
Today · 4.125%
HK$72,389
baseline
▲ 0.50% · 4.625%
HK$76,794
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,778/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,057,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,780
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,812
−HK$2,062/mo
Today · 4.125%
HK$79,874
baseline
▲ 0.50% · 4.625%
HK$84,084
+HK$4,210/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,748/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,057,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,470
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,942
−HK$2,512/mo
Today · 4.125%
HK$84,454
baseline
▲ 0.50% · 4.625%
HK$89,593
+HK$5,139/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,908/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,410
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,781
−HK$2,405/mo
Today · 4.125%
HK$93,186
baseline
▲ 0.50% · 4.625%
HK$98,098
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,372/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,057,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,176
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,354
−HK$3,229/mo
Today · 4.125%
HK$108,583
baseline
▲ 0.50% · 4.625%
HK$115,190
+HK$6,607/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$217,166/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,670
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,718
−HK$3,093/mo
Today · 4.125%
HK$119,811
baseline
▲ 0.50% · 4.625%
HK$126,126
+HK$6,315/mo
Deposit HK$2.49M · loan HK$22.40M · min. income ≈ HK$239,622/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,057,991 · Scale 2, in force from 26 Feb 2026)