LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,303
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,116
−HK$1,843/mo
Today · 4.125%
HK$61,959
baseline
▲ 0.50% · 4.625%
HK$65,729
+HK$3,770/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$123,918/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,861
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,601
−HK$1,764/mo
Today · 4.125%
HK$68,365
baseline
▲ 0.50% · 4.625%
HK$71,969
+HK$3,604/mo
Deposit HK$12.78M · loan HK$12.78M · min. income ≈ HK$136,730/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,086,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,963
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,139
−HK$2,211/mo
Today · 4.125%
HK$74,350
baseline
▲ 0.50% · 4.625%
HK$78,874
+HK$4,524/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$148,700/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,833
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,921
−HK$2,117/mo
Today · 4.125%
HK$82,038
baseline
▲ 0.50% · 4.625%
HK$86,363
+HK$4,325/mo
Deposit HK$10.23M · loan HK$15.34M · min. income ≈ HK$164,076/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,086,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,624
−HK$5,118/mo
▼ 0.25% · 3.875%
HK$84,163
−HK$2,579/mo
Today · 4.125%
HK$86,742
baseline
▲ 0.50% · 4.625%
HK$92,020
+HK$5,278/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$173,484/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,805
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,241
−HK$2,470/mo
Today · 4.125%
HK$95,711
baseline
▲ 0.50% · 4.625%
HK$100,756
+HK$5,045/mo
Deposit HK$7.67M · loan HK$17.90M · min. income ≈ HK$191,422/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,086,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,945
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,209
−HK$3,317/mo
Today · 4.125%
HK$111,526
baseline
▲ 0.50% · 4.625%
HK$118,312
+HK$6,786/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$223,052/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,750
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,881
−HK$3,176/mo
Today · 4.125%
HK$123,057
baseline
▲ 0.50% · 4.625%
HK$129,544
+HK$6,487/mo
Deposit HK$2.56M · loan HK$23.01M · min. income ≈ HK$246,114/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,086,658 · Scale 2, in force from 26 Feb 2026)