LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,025
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,830
−HK$1,834/mo
Today · 4.125%
HK$61,664
baseline
▲ 0.50% · 4.625%
HK$65,416
+HK$3,752/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$123,328/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,552
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,284
−HK$1,756/mo
Today · 4.125%
HK$68,040
baseline
▲ 0.50% · 4.625%
HK$71,626
+HK$3,586/mo
Deposit HK$12.72M · loan HK$12.72M · min. income ≈ HK$136,080/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,081,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,630
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,796
−HK$2,201/mo
Today · 4.125%
HK$73,997
baseline
▲ 0.50% · 4.625%
HK$78,499
+HK$4,502/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$147,994/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,463
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,540
−HK$2,108/mo
Today · 4.125%
HK$81,648
baseline
▲ 0.50% · 4.625%
HK$85,952
+HK$4,304/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,296/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,235
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,762
−HK$2,567/mo
Today · 4.125%
HK$86,329
baseline
▲ 0.50% · 4.625%
HK$91,582
+HK$5,253/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$172,658/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,373
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,797
−HK$2,459/mo
Today · 4.125%
HK$95,256
baseline
▲ 0.50% · 4.625%
HK$100,277
+HK$5,021/mo
Deposit HK$7.63M · loan HK$17.81M · min. income ≈ HK$190,512/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,445
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,694
−HK$3,301/mo
Today · 4.125%
HK$110,995
baseline
▲ 0.50% · 4.625%
HK$117,749
+HK$6,754/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$221,990/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,194
−HK$6,278/mo
▼ 0.25% · 3.875%
HK$119,310
−HK$3,162/mo
Today · 4.125%
HK$122,472
baseline
▲ 0.50% · 4.625%
HK$128,927
+HK$6,455/mo
Deposit HK$2.54M · loan HK$22.90M · min. income ≈ HK$244,944/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,487 · Scale 2, in force from 26 Feb 2026)