LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,830
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,598
−HK$1,796/mo
Today · 4.125%
HK$60,394
baseline
▲ 0.50% · 4.625%
HK$64,069
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,788/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,223
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,919
−HK$1,720/mo
Today · 4.125%
HK$66,639
baseline
▲ 0.50% · 4.625%
HK$70,151
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,278/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,196
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,317
−HK$2,156/mo
Today · 4.125%
HK$72,473
baseline
▲ 0.50% · 4.625%
HK$76,882
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,946/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,867
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,902
−HK$2,064/mo
Today · 4.125%
HK$79,966
baseline
▲ 0.50% · 4.625%
HK$84,182
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,932/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,562
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,037
−HK$2,514/mo
Today · 4.125%
HK$84,551
baseline
▲ 0.50% · 4.625%
HK$89,696
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,102/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,512
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,886
−HK$2,408/mo
Today · 4.125%
HK$93,294
baseline
▲ 0.50% · 4.625%
HK$98,212
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,588/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,294
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,476
−HK$3,233/mo
Today · 4.125%
HK$108,709
baseline
▲ 0.50% · 4.625%
HK$115,324
+HK$6,615/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,418/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,801
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,853
−HK$3,097/mo
Today · 4.125%
HK$119,950
baseline
▲ 0.50% · 4.625%
HK$126,272
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,900/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,214 · Scale 2, in force from 26 Feb 2026)