LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,952
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,723
−HK$1,800/mo
Today · 4.125%
HK$60,523
baseline
▲ 0.50% · 4.625%
HK$64,206
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,046/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,358
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,057
−HK$1,724/mo
Today · 4.125%
HK$66,781
baseline
▲ 0.50% · 4.625%
HK$70,301
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,562/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,342
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,468
−HK$2,160/mo
Today · 4.125%
HK$72,628
baseline
▲ 0.50% · 4.625%
HK$77,047
+HK$4,419/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,256/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,030
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,069
−HK$2,068/mo
Today · 4.125%
HK$80,137
baseline
▲ 0.50% · 4.625%
HK$84,362
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,274/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,732
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,212
−HK$2,520/mo
Today · 4.125%
HK$84,732
baseline
▲ 0.50% · 4.625%
HK$89,888
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,464/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,701
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,080
−HK$2,414/mo
Today · 4.125%
HK$93,494
baseline
▲ 0.50% · 4.625%
HK$98,422
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,988/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,513
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,702
−HK$3,239/mo
Today · 4.125%
HK$108,941
baseline
▲ 0.50% · 4.625%
HK$115,570
+HK$6,629/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,882/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,045
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,103
−HK$3,103/mo
Today · 4.125%
HK$120,206
baseline
▲ 0.50% · 4.625%
HK$126,542
+HK$6,336/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,412/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,480 · Scale 2, in force from 26 Feb 2026)