LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,915
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,685
−HK$1,799/mo
Today · 4.125%
HK$60,484
baseline
▲ 0.50% · 4.625%
HK$64,164
+HK$3,680/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,968/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,317
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,015
−HK$1,723/mo
Today · 4.125%
HK$66,738
baseline
▲ 0.50% · 4.625%
HK$70,256
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,476/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,298
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,422
−HK$2,159/mo
Today · 4.125%
HK$72,581
baseline
▲ 0.50% · 4.625%
HK$76,997
+HK$4,416/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,162/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,981
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,018
−HK$2,068/mo
Today · 4.125%
HK$80,086
baseline
▲ 0.50% · 4.625%
HK$84,307
+HK$4,221/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,172/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,681
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,159
−HK$2,519/mo
Today · 4.125%
HK$84,678
baseline
▲ 0.50% · 4.625%
HK$89,830
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,356/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,644
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,022
−HK$2,411/mo
Today · 4.125%
HK$93,433
baseline
▲ 0.50% · 4.625%
HK$98,358
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,866/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,447
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,634
−HK$3,237/mo
Today · 4.125%
HK$108,871
baseline
▲ 0.50% · 4.625%
HK$115,496
+HK$6,625/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,742/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,971
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,028
−HK$3,101/mo
Today · 4.125%
HK$120,129
baseline
▲ 0.50% · 4.625%
HK$126,461
+HK$6,332/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,258/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,795 · Scale 2, in force from 26 Feb 2026)