LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,266
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,078
−HK$1,842/mo
Today · 4.125%
HK$61,920
baseline
▲ 0.50% · 4.625%
HK$65,687
+HK$3,767/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,840/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,820
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,559
−HK$1,763/mo
Today · 4.125%
HK$68,322
baseline
▲ 0.50% · 4.625%
HK$71,924
+HK$3,602/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,644/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,919
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,094
−HK$2,210/mo
Today · 4.125%
HK$74,304
baseline
▲ 0.50% · 4.625%
HK$78,825
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,608/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,784
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,870
−HK$2,117/mo
Today · 4.125%
HK$81,987
baseline
▲ 0.50% · 4.625%
HK$86,308
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,974/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,572
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,110
−HK$2,578/mo
Today · 4.125%
HK$86,688
baseline
▲ 0.50% · 4.625%
HK$91,962
+HK$5,274/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,376/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,748
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,182
−HK$2,469/mo
Today · 4.125%
HK$95,651
baseline
▲ 0.50% · 4.625%
HK$100,693
+HK$5,042/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,302/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,879
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,141
−HK$3,315/mo
Today · 4.125%
HK$111,456
baseline
▲ 0.50% · 4.625%
HK$118,237
+HK$6,781/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,912/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,676
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,806
−HK$3,174/mo
Today · 4.125%
HK$122,980
baseline
▲ 0.50% · 4.625%
HK$129,463
+HK$6,483/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,960/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,976 · Scale 2, in force from 26 Feb 2026)