LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,628
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,420
−HK$1,822/mo
Today · 4.125%
HK$61,242
baseline
▲ 0.50% · 4.625%
HK$64,968
+HK$3,726/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,484/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,110
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,830
−HK$1,744/mo
Today · 4.125%
HK$67,574
baseline
▲ 0.50% · 4.625%
HK$71,136
+HK$3,562/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,148/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,153
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,304
−HK$2,186/mo
Today · 4.125%
HK$73,490
baseline
▲ 0.50% · 4.625%
HK$77,962
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,980/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,932
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$78,996
−HK$2,093/mo
Today · 4.125%
HK$81,089
baseline
▲ 0.50% · 4.625%
HK$85,363
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,178/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,679
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,189
−HK$2,549/mo
Today · 4.125%
HK$85,738
baseline
▲ 0.50% · 4.625%
HK$90,955
+HK$5,217/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,476/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,755
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,162
−HK$2,442/mo
Today · 4.125%
HK$94,604
baseline
▲ 0.50% · 4.625%
HK$99,590
+HK$4,986/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,208/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,730
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,957
−HK$3,278/mo
Today · 4.125%
HK$110,235
baseline
▲ 0.50% · 4.625%
HK$116,942
+HK$6,707/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,470/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,399
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,494
−HK$3,139/mo
Today · 4.125%
HK$121,633
baseline
▲ 0.50% · 4.625%
HK$128,045
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,266/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,083 · Scale 2, in force from 26 Feb 2026)