LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,929
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,699
−HK$1,799/mo
Today · 4.125%
HK$60,498
baseline
▲ 0.50% · 4.625%
HK$64,180
+HK$3,682/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$1,061,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,332
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,031
−HK$1,723/mo
Today · 4.125%
HK$66,754
baseline
▲ 0.50% · 4.625%
HK$70,273
+HK$3,519/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,508/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,061,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,314
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,439
−HK$2,159/mo
Today · 4.125%
HK$72,598
baseline
▲ 0.50% · 4.625%
HK$77,016
+HK$4,418/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$145,196/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,999
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,037
−HK$2,068/mo
Today · 4.125%
HK$80,105
baseline
▲ 0.50% · 4.625%
HK$84,327
+HK$4,222/mo
Deposit HK$9.99M · loan HK$14.98M · min. income ≈ HK$160,210/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,700
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,179
−HK$2,519/mo
Today · 4.125%
HK$84,698
baseline
▲ 0.50% · 4.625%
HK$89,851
+HK$5,153/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,396/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,665
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,043
−HK$2,413/mo
Today · 4.125%
HK$93,456
baseline
▲ 0.50% · 4.625%
HK$98,382
+HK$4,926/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,912/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,471
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,659
−HK$3,238/mo
Today · 4.125%
HK$108,897
baseline
▲ 0.50% · 4.625%
HK$115,523
+HK$6,626/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$217,794/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,998
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,056
−HK$3,101/mo
Today · 4.125%
HK$120,157
baseline
▲ 0.50% · 4.625%
HK$126,491
+HK$6,334/mo
Deposit HK$2.50M · loan HK$22.47M · min. income ≈ HK$240,314/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,049 · Scale 2, in force from 26 Feb 2026)