LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,203
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,014
−HK$1,839/mo
Today · 4.125%
HK$61,853
baseline
▲ 0.50% · 4.625%
HK$65,617
+HK$3,764/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,706/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,750
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,487
−HK$1,762/mo
Today · 4.125%
HK$68,249
baseline
▲ 0.50% · 4.625%
HK$71,846
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,498/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,844
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,016
−HK$2,208/mo
Today · 4.125%
HK$74,224
baseline
▲ 0.50% · 4.625%
HK$78,740
+HK$4,516/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$148,448/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,701
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,784
−HK$2,114/mo
Today · 4.125%
HK$81,898
baseline
▲ 0.50% · 4.625%
HK$86,215
+HK$4,317/mo
Deposit HK$10.21M · loan HK$15.31M · min. income ≈ HK$163,796/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,484
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,019
−HK$2,575/mo
Today · 4.125%
HK$86,594
baseline
▲ 0.50% · 4.625%
HK$91,863
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,188/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,651
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,082
−HK$2,466/mo
Today · 4.125%
HK$95,548
baseline
▲ 0.50% · 4.625%
HK$100,585
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,096/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,766
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,025
−HK$3,310/mo
Today · 4.125%
HK$111,335
baseline
▲ 0.50% · 4.625%
HK$118,110
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,670/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,551
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,677
−HK$3,171/mo
Today · 4.125%
HK$122,848
baseline
▲ 0.50% · 4.625%
HK$129,323
+HK$6,475/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,696/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,806 · Scale 2, in force from 26 Feb 2026)