LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,049
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$59,854
−HK$1,835/mo
Today · 4.125%
HK$61,689
baseline
▲ 0.50% · 4.625%
HK$65,442
+HK$3,753/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,378/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,579
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,310
−HK$1,758/mo
Today · 4.125%
HK$68,068
baseline
▲ 0.50% · 4.625%
HK$71,655
+HK$3,587/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,136/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,081,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,658
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,825
−HK$2,202/mo
Today · 4.125%
HK$74,027
baseline
▲ 0.50% · 4.625%
HK$78,531
+HK$4,504/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$148,054/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,494
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,573
−HK$2,108/mo
Today · 4.125%
HK$81,681
baseline
▲ 0.50% · 4.625%
HK$85,987
+HK$4,306/mo
Deposit HK$10.18M · loan HK$15.27M · min. income ≈ HK$163,362/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,081,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,268
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,796
−HK$2,568/mo
Today · 4.125%
HK$86,364
baseline
▲ 0.50% · 4.625%
HK$91,619
+HK$5,255/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,728/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,410
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,835
−HK$2,460/mo
Today · 4.125%
HK$95,295
baseline
▲ 0.50% · 4.625%
HK$100,318
+HK$5,023/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,590/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,081,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,488
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,738
−HK$3,302/mo
Today · 4.125%
HK$111,040
baseline
▲ 0.50% · 4.625%
HK$117,796
+HK$6,756/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$222,080/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,241
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,359
−HK$3,163/mo
Today · 4.125%
HK$122,522
baseline
▲ 0.50% · 4.625%
HK$128,980
+HK$6,458/mo
Deposit HK$2.55M · loan HK$22.91M · min. income ≈ HK$245,044/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,081,926 · Scale 2, in force from 26 Feb 2026)