LTV · monthly repayment
▼ 0.50% · 3.625%
HK$57,710
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,505
−HK$1,824/mo
Today · 4.125%
HK$61,329
baseline
▲ 0.50% · 4.625%
HK$65,061
+HK$3,732/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$122,658/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,202
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,924
−HK$1,747/mo
Today · 4.125%
HK$67,671
baseline
▲ 0.50% · 4.625%
HK$71,238
+HK$3,567/mo
Deposit HK$12.65M · loan HK$12.65M · min. income ≈ HK$135,342/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,075,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,252
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,406
−HK$2,189/mo
Today · 4.125%
HK$73,595
baseline
▲ 0.50% · 4.625%
HK$78,073
+HK$4,478/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$147,190/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,042
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,109
−HK$2,096/mo
Today · 4.125%
HK$81,205
baseline
▲ 0.50% · 4.625%
HK$85,485
+HK$4,280/mo
Deposit HK$10.12M · loan HK$15.19M · min. income ≈ HK$162,410/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,075,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,794
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,307
−HK$2,554/mo
Today · 4.125%
HK$85,861
baseline
▲ 0.50% · 4.625%
HK$91,085
+HK$5,224/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$171,722/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,883
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,293
−HK$2,446/mo
Today · 4.125%
HK$94,739
baseline
▲ 0.50% · 4.625%
HK$99,733
+HK$4,994/mo
Deposit HK$7.59M · loan HK$17.72M · min. income ≈ HK$189,478/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$1,075,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,878
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,110
−HK$3,282/mo
Today · 4.125%
HK$110,392
baseline
▲ 0.50% · 4.625%
HK$117,110
+HK$6,718/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$220,784/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,564
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,663
−HK$3,144/mo
Today · 4.125%
HK$121,807
baseline
▲ 0.50% · 4.625%
HK$128,228
+HK$6,421/mo
Deposit HK$2.53M · loan HK$22.78M · min. income ≈ HK$243,614/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$1,075,618 · Scale 2, in force from 26 Feb 2026)