LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,889
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,658
−HK$1,798/mo
Today · 4.125%
HK$60,456
baseline
▲ 0.50% · 4.625%
HK$64,135
+HK$3,679/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,912/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,288
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,985
−HK$1,722/mo
Today · 4.125%
HK$66,707
baseline
▲ 0.50% · 4.625%
HK$70,223
+HK$3,516/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,414/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,266
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,390
−HK$2,157/mo
Today · 4.125%
HK$72,547
baseline
▲ 0.50% · 4.625%
HK$76,961
+HK$4,414/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,094/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,945
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,982
−HK$2,067/mo
Today · 4.125%
HK$80,049
baseline
▲ 0.50% · 4.625%
HK$84,268
+HK$4,219/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,098/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,644
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,121
−HK$2,517/mo
Today · 4.125%
HK$84,638
baseline
▲ 0.50% · 4.625%
HK$89,788
+HK$5,150/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,276/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,603
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,979
−HK$2,411/mo
Today · 4.125%
HK$93,390
baseline
▲ 0.50% · 4.625%
HK$98,313
+HK$4,923/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,780/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,399
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,585
−HK$3,236/mo
Today · 4.125%
HK$108,821
baseline
▲ 0.50% · 4.625%
HK$115,442
+HK$6,621/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,642/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,918
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,973
−HK$3,100/mo
Today · 4.125%
HK$120,073
baseline
▲ 0.50% · 4.625%
HK$126,402
+HK$6,329/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,146/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,303 · Scale 2, in force from 26 Feb 2026)