LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,250
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,030
−HK$1,810/mo
Today · 4.125%
HK$60,840
baseline
▲ 0.50% · 4.625%
HK$64,541
+HK$3,701/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$121,680/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,690
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,398
−HK$1,732/mo
Today · 4.125%
HK$67,130
baseline
▲ 0.50% · 4.625%
HK$70,669
+HK$3,539/mo
Deposit HK$12.55M · loan HK$12.55M · min. income ≈ HK$134,260/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,067,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,699
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,836
−HK$2,171/mo
Today · 4.125%
HK$73,007
baseline
▲ 0.50% · 4.625%
HK$77,450
+HK$4,443/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$146,014/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,427
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,477
−HK$2,080/mo
Today · 4.125%
HK$80,557
baseline
▲ 0.50% · 4.625%
HK$84,803
+HK$4,246/mo
Deposit HK$10.04M · loan HK$15.06M · min. income ≈ HK$161,114/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,067,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,149
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,642
−HK$2,533/mo
Today · 4.125%
HK$85,175
baseline
▲ 0.50% · 4.625%
HK$90,358
+HK$5,183/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$170,350/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,165
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,557
−HK$2,426/mo
Today · 4.125%
HK$93,983
baseline
▲ 0.50% · 4.625%
HK$98,937
+HK$4,954/mo
Deposit HK$7.53M · loan HK$17.57M · min. income ≈ HK$187,966/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$1,067,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,049
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,255
−HK$3,256/mo
Today · 4.125%
HK$109,511
baseline
▲ 0.50% · 4.625%
HK$116,175
+HK$6,664/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$219,022/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,641
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,716
−HK$3,119/mo
Today · 4.125%
HK$120,835
baseline
▲ 0.50% · 4.625%
HK$127,204
+HK$6,369/mo
Deposit HK$2.51M · loan HK$22.60M · min. income ≈ HK$241,670/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$1,067,031 · Scale 2, in force from 26 Feb 2026)