LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,183
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,993
−HK$1,839/mo
Today · 4.125%
HK$61,832
baseline
▲ 0.50% · 4.625%
HK$65,594
+HK$3,762/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,664/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,728
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,464
−HK$1,761/mo
Today · 4.125%
HK$68,225
baseline
▲ 0.50% · 4.625%
HK$71,822
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,450/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,820
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,992
−HK$2,206/mo
Today · 4.125%
HK$74,198
baseline
▲ 0.50% · 4.625%
HK$78,713
+HK$4,515/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,396/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,674
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,757
−HK$2,113/mo
Today · 4.125%
HK$81,870
baseline
▲ 0.50% · 4.625%
HK$86,186
+HK$4,316/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,740/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,457
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,990
−HK$2,575/mo
Today · 4.125%
HK$86,565
baseline
▲ 0.50% · 4.625%
HK$91,832
+HK$5,267/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,130/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,620
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,050
−HK$2,466/mo
Today · 4.125%
HK$95,516
baseline
▲ 0.50% · 4.625%
HK$100,550
+HK$5,034/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$191,032/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,730
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$107,988
−HK$3,309/mo
Today · 4.125%
HK$111,297
baseline
▲ 0.50% · 4.625%
HK$118,070
+HK$6,773/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,594/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,511
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,636
−HK$3,170/mo
Today · 4.125%
HK$122,806
baseline
▲ 0.50% · 4.625%
HK$129,279
+HK$6,473/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,612/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,435 · Scale 2, in force from 26 Feb 2026)