LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,523
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,313
−HK$1,818/mo
Today · 4.125%
HK$61,131
baseline
▲ 0.50% · 4.625%
HK$64,850
+HK$3,719/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$122,262/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,994
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,710
−HK$1,742/mo
Today · 4.125%
HK$67,452
baseline
▲ 0.50% · 4.625%
HK$71,007
+HK$3,555/mo
Deposit HK$12.61M · loan HK$12.61M · min. income ≈ HK$134,904/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,072,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,028
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,175
−HK$2,182/mo
Today · 4.125%
HK$73,357
baseline
▲ 0.50% · 4.625%
HK$77,820
+HK$4,463/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$146,714/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,793
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,853
−HK$2,089/mo
Today · 4.125%
HK$80,942
baseline
▲ 0.50% · 4.625%
HK$85,208
+HK$4,266/mo
Deposit HK$10.09M · loan HK$15.14M · min. income ≈ HK$161,884/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,072,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,533
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,038
−HK$2,545/mo
Today · 4.125%
HK$85,583
baseline
▲ 0.50% · 4.625%
HK$90,790
+HK$5,207/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$171,166/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,592
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,995
−HK$2,437/mo
Today · 4.125%
HK$94,432
baseline
▲ 0.50% · 4.625%
HK$99,410
+HK$4,978/mo
Deposit HK$7.57M · loan HK$17.66M · min. income ≈ HK$188,864/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$1,072,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,542
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,763
−HK$3,272/mo
Today · 4.125%
HK$110,035
baseline
▲ 0.50% · 4.625%
HK$116,730
+HK$6,695/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$220,070/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,189
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,279
−HK$3,134/mo
Today · 4.125%
HK$121,413
baseline
▲ 0.50% · 4.625%
HK$127,813
+HK$6,400/mo
Deposit HK$2.52M · loan HK$22.70M · min. income ≈ HK$242,826/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$1,072,136 · Scale 2, in force from 26 Feb 2026)