LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,781
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,547
−HK$1,795/mo
Today · 4.125%
HK$60,342
baseline
▲ 0.50% · 4.625%
HK$64,013
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,684/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,168
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,862
−HK$1,719/mo
Today · 4.125%
HK$66,581
baseline
▲ 0.50% · 4.625%
HK$70,090
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,162/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,137
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,256
−HK$2,154/mo
Today · 4.125%
HK$72,410
baseline
▲ 0.50% · 4.625%
HK$76,816
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,820/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,802
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,835
−HK$2,062/mo
Today · 4.125%
HK$79,897
baseline
▲ 0.50% · 4.625%
HK$84,109
+HK$4,212/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,794/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,493
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,966
−HK$2,512/mo
Today · 4.125%
HK$84,478
baseline
▲ 0.50% · 4.625%
HK$89,618
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,956/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,435
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,807
−HK$2,406/mo
Today · 4.125%
HK$93,213
baseline
▲ 0.50% · 4.625%
HK$98,127
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,426/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,206
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,385
−HK$3,230/mo
Today · 4.125%
HK$108,615
baseline
▲ 0.50% · 4.625%
HK$115,224
+HK$6,609/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,230/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,703
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,752
−HK$3,094/mo
Today · 4.125%
HK$119,846
baseline
▲ 0.50% · 4.625%
HK$126,163
+HK$6,317/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,692/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,297 · Scale 2, in force from 26 Feb 2026)