LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,191
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,970
−HK$1,807/mo
Today · 4.125%
HK$60,777
baseline
▲ 0.50% · 4.625%
HK$64,476
+HK$3,699/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$121,554/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,624
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,331
−HK$1,731/mo
Today · 4.125%
HK$67,062
baseline
▲ 0.50% · 4.625%
HK$70,597
+HK$3,535/mo
Deposit HK$12.54M · loan HK$12.54M · min. income ≈ HK$134,124/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,065,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,629
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,764
−HK$2,169/mo
Today · 4.125%
HK$72,933
baseline
▲ 0.50% · 4.625%
HK$77,371
+HK$4,438/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$145,866/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,349
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,397
−HK$2,077/mo
Today · 4.125%
HK$80,474
baseline
▲ 0.50% · 4.625%
HK$84,716
+HK$4,242/mo
Deposit HK$10.03M · loan HK$15.05M · min. income ≈ HK$160,948/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,065,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,067
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,558
−HK$2,530/mo
Today · 4.125%
HK$85,088
baseline
▲ 0.50% · 4.625%
HK$90,266
+HK$5,178/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$170,176/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,074
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,463
−HK$2,424/mo
Today · 4.125%
HK$93,887
baseline
▲ 0.50% · 4.625%
HK$98,835
+HK$4,948/mo
Deposit HK$7.52M · loan HK$17.56M · min. income ≈ HK$187,774/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$1,065,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,944
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,146
−HK$3,253/mo
Today · 4.125%
HK$109,399
baseline
▲ 0.50% · 4.625%
HK$116,056
+HK$6,657/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$218,798/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,524
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,595
−HK$3,116/mo
Today · 4.125%
HK$120,711
baseline
▲ 0.50% · 4.625%
HK$127,074
+HK$6,363/mo
Deposit HK$2.51M · loan HK$22.57M · min. income ≈ HK$241,422/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$1,065,941 · Scale 2, in force from 26 Feb 2026)