LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,633
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,426
−HK$1,821/mo
Today · 4.125%
HK$61,247
baseline
▲ 0.50% · 4.625%
HK$64,974
+HK$3,727/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$122,494/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,116
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,836
−HK$1,744/mo
Today · 4.125%
HK$67,580
baseline
▲ 0.50% · 4.625%
HK$71,143
+HK$3,563/mo
Deposit HK$12.64M · loan HK$12.64M · min. income ≈ HK$135,160/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,074,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,160
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,311
−HK$2,186/mo
Today · 4.125%
HK$73,497
baseline
▲ 0.50% · 4.625%
HK$77,969
+HK$4,472/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$146,994/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,940
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,003
−HK$2,094/mo
Today · 4.125%
HK$81,097
baseline
▲ 0.50% · 4.625%
HK$85,371
+HK$4,274/mo
Deposit HK$10.11M · loan HK$15.16M · min. income ≈ HK$162,194/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,074,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,687
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,196
−HK$2,550/mo
Today · 4.125%
HK$85,746
baseline
▲ 0.50% · 4.625%
HK$90,964
+HK$5,218/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$171,492/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,763
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,170
−HK$2,443/mo
Today · 4.125%
HK$94,613
baseline
▲ 0.50% · 4.625%
HK$99,600
+HK$4,987/mo
Deposit HK$7.58M · loan HK$17.69M · min. income ≈ HK$189,226/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$1,074,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,740
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,967
−HK$3,278/mo
Today · 4.125%
HK$110,245
baseline
▲ 0.50% · 4.625%
HK$116,954
+HK$6,709/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$220,490/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,410
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,505
−HK$3,140/mo
Today · 4.125%
HK$121,645
baseline
▲ 0.50% · 4.625%
HK$128,057
+HK$6,412/mo
Deposit HK$2.53M · loan HK$22.75M · min. income ≈ HK$243,290/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$1,074,185 · Scale 2, in force from 26 Feb 2026)