LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,207
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,018
−HK$1,840/mo
Today · 4.125%
HK$61,858
baseline
▲ 0.50% · 4.625%
HK$65,621
+HK$3,763/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$123,716/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,755
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,492
−HK$1,762/mo
Today · 4.125%
HK$68,254
baseline
▲ 0.50% · 4.625%
HK$71,851
+HK$3,597/mo
Deposit HK$12.76M · loan HK$12.76M · min. income ≈ HK$136,508/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,084,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,849
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,022
−HK$2,207/mo
Today · 4.125%
HK$74,229
baseline
▲ 0.50% · 4.625%
HK$78,746
+HK$4,517/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$148,458/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,706
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,790
−HK$2,114/mo
Today · 4.125%
HK$81,904
baseline
▲ 0.50% · 4.625%
HK$86,222
+HK$4,318/mo
Deposit HK$10.21M · loan HK$15.32M · min. income ≈ HK$163,808/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,084,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,490
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,025
−HK$2,576/mo
Today · 4.125%
HK$86,601
baseline
▲ 0.50% · 4.625%
HK$91,870
+HK$5,269/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$173,202/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,657
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,089
−HK$2,466/mo
Today · 4.125%
HK$95,555
baseline
▲ 0.50% · 4.625%
HK$100,592
+HK$5,037/mo
Deposit HK$7.66M · loan HK$17.87M · min. income ≈ HK$191,110/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,773
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,032
−HK$3,312/mo
Today · 4.125%
HK$111,344
baseline
▲ 0.50% · 4.625%
HK$118,119
+HK$6,775/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$222,688/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,559
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,685
−HK$3,172/mo
Today · 4.125%
HK$122,857
baseline
▲ 0.50% · 4.625%
HK$129,333
+HK$6,476/mo
Deposit HK$2.55M · loan HK$22.97M · min. income ≈ HK$245,714/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,886 · Scale 2, in force from 26 Feb 2026)