LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,954
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,725
−HK$1,800/mo
Today · 4.125%
HK$60,525
baseline
▲ 0.50% · 4.625%
HK$64,208
+HK$3,683/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,050/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,360
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,060
−HK$1,724/mo
Today · 4.125%
HK$66,784
baseline
▲ 0.50% · 4.625%
HK$70,304
+HK$3,520/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,568/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,061,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,344
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,470
−HK$2,160/mo
Today · 4.125%
HK$72,630
baseline
▲ 0.50% · 4.625%
HK$77,050
+HK$4,420/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,260/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,032
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,072
−HK$2,068/mo
Today · 4.125%
HK$80,140
baseline
▲ 0.50% · 4.625%
HK$84,365
+HK$4,225/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,280/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,061,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,735
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,215
−HK$2,520/mo
Today · 4.125%
HK$84,735
baseline
▲ 0.50% · 4.625%
HK$89,891
+HK$5,156/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$169,470/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,705
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,084
−HK$2,413/mo
Today · 4.125%
HK$93,497
baseline
▲ 0.50% · 4.625%
HK$98,425
+HK$4,928/mo
Deposit HK$7.49M · loan HK$17.48M · min. income ≈ HK$186,994/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,061,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,517
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,706
−HK$3,239/mo
Today · 4.125%
HK$108,945
baseline
▲ 0.50% · 4.625%
HK$115,574
+HK$6,629/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$217,890/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,049
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,107
−HK$3,103/mo
Today · 4.125%
HK$120,210
baseline
▲ 0.50% · 4.625%
HK$126,547
+HK$6,337/mo
Deposit HK$2.50M · loan HK$22.48M · min. income ≈ HK$240,420/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,518 · Scale 2, in force from 26 Feb 2026)