LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,293
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,106
−HK$1,842/mo
Today · 4.125%
HK$61,948
baseline
▲ 0.50% · 4.625%
HK$65,718
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,896/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,850
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,589
−HK$1,765/mo
Today · 4.125%
HK$68,354
baseline
▲ 0.50% · 4.625%
HK$71,957
+HK$3,603/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,708/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,951
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,127
−HK$2,211/mo
Today · 4.125%
HK$74,338
baseline
▲ 0.50% · 4.625%
HK$78,861
+HK$4,523/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,676/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,820
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,907
−HK$2,118/mo
Today · 4.125%
HK$82,025
baseline
▲ 0.50% · 4.625%
HK$86,348
+HK$4,323/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,050/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,610
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,148
−HK$2,580/mo
Today · 4.125%
HK$86,728
baseline
▲ 0.50% · 4.625%
HK$92,005
+HK$5,277/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$173,456/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,790
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,225
−HK$2,470/mo
Today · 4.125%
HK$95,695
baseline
▲ 0.50% · 4.625%
HK$100,740
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.89M · min. income ≈ HK$191,390/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,927
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,191
−HK$3,316/mo
Today · 4.125%
HK$111,507
baseline
▲ 0.50% · 4.625%
HK$118,292
+HK$6,785/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,014/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,730
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,861
−HK$3,176/mo
Today · 4.125%
HK$123,037
baseline
▲ 0.50% · 4.625%
HK$129,522
+HK$6,485/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,074/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,477 · Scale 2, in force from 26 Feb 2026)