LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,928
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,699
−HK$1,799/mo
Today · 4.125%
HK$60,498
baseline
▲ 0.50% · 4.625%
HK$64,179
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,996/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,332
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,030
−HK$1,723/mo
Today · 4.125%
HK$66,753
baseline
▲ 0.50% · 4.625%
HK$70,272
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,506/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,314
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,438
−HK$2,159/mo
Today · 4.125%
HK$72,597
baseline
▲ 0.50% · 4.625%
HK$77,015
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,194/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,998
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,036
−HK$2,068/mo
Today · 4.125%
HK$80,104
baseline
▲ 0.50% · 4.625%
HK$84,326
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,208/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,699
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,178
−HK$2,519/mo
Today · 4.125%
HK$84,697
baseline
▲ 0.50% · 4.625%
HK$89,851
+HK$5,154/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,394/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,665
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,042
−HK$2,413/mo
Today · 4.125%
HK$93,455
baseline
▲ 0.50% · 4.625%
HK$98,381
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,910/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,470
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,658
−HK$3,238/mo
Today · 4.125%
HK$108,896
baseline
▲ 0.50% · 4.625%
HK$115,522
+HK$6,626/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,792/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,997
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,055
−HK$3,101/mo
Today · 4.125%
HK$120,156
baseline
▲ 0.50% · 4.625%
HK$126,490
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,312/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,038 · Scale 2, in force from 26 Feb 2026)