LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,904
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,674
−HK$1,798/mo
Today · 4.125%
HK$60,472
baseline
▲ 0.50% · 4.625%
HK$64,152
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,944/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,305
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,003
−HK$1,722/mo
Today · 4.125%
HK$66,725
baseline
▲ 0.50% · 4.625%
HK$70,242
+HK$3,517/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,450/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,284
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,408
−HK$2,158/mo
Today · 4.125%
HK$72,566
baseline
▲ 0.50% · 4.625%
HK$76,982
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,132/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,966
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,003
−HK$2,067/mo
Today · 4.125%
HK$80,070
baseline
▲ 0.50% · 4.625%
HK$84,291
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,140/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,665
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,143
−HK$2,518/mo
Today · 4.125%
HK$84,661
baseline
▲ 0.50% · 4.625%
HK$89,812
+HK$5,151/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,322/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,627
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$91,004
−HK$2,411/mo
Today · 4.125%
HK$93,415
baseline
▲ 0.50% · 4.625%
HK$98,339
+HK$4,924/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,830/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,427
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,613
−HK$3,237/mo
Today · 4.125%
HK$108,850
baseline
▲ 0.50% · 4.625%
HK$115,473
+HK$6,623/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,700/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,949
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$117,005
−HK$3,100/mo
Today · 4.125%
HK$120,105
baseline
▲ 0.50% · 4.625%
HK$126,436
+HK$6,331/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,210/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,586 · Scale 2, in force from 26 Feb 2026)