LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,267
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,079
−HK$1,841/mo
Today · 4.125%
HK$61,920
baseline
▲ 0.50% · 4.625%
HK$65,688
+HK$3,768/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$1,085,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,821
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,559
−HK$1,764/mo
Today · 4.125%
HK$68,323
baseline
▲ 0.50% · 4.625%
HK$71,924
+HK$3,601/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,646/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,085,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,920
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,095
−HK$2,210/mo
Today · 4.125%
HK$74,305
baseline
▲ 0.50% · 4.625%
HK$78,826
+HK$4,521/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$148,610/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,785
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,871
−HK$2,117/mo
Today · 4.125%
HK$81,988
baseline
▲ 0.50% · 4.625%
HK$86,309
+HK$4,321/mo
Deposit HK$10.22M · loan HK$15.33M · min. income ≈ HK$163,976/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,085,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,573
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,111
−HK$2,578/mo
Today · 4.125%
HK$86,689
baseline
▲ 0.50% · 4.625%
HK$91,963
+HK$5,274/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,378/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,749
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$93,183
−HK$2,469/mo
Today · 4.125%
HK$95,652
baseline
▲ 0.50% · 4.625%
HK$100,694
+HK$5,042/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,304/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$1,085,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,880
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,142
−HK$3,315/mo
Today · 4.125%
HK$111,457
baseline
▲ 0.50% · 4.625%
HK$118,239
+HK$6,782/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$222,914/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,678
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,807
−HK$3,175/mo
Today · 4.125%
HK$122,982
baseline
▲ 0.50% · 4.625%
HK$129,464
+HK$6,482/mo
Deposit HK$2.56M · loan HK$23.00M · min. income ≈ HK$245,964/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,085,988 · Scale 2, in force from 26 Feb 2026)