LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,336
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,151
−HK$1,843/mo
Today · 4.125%
HK$61,994
baseline
▲ 0.50% · 4.625%
HK$65,767
+HK$3,773/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$123,988/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,898
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,639
−HK$1,766/mo
Today · 4.125%
HK$68,405
baseline
▲ 0.50% · 4.625%
HK$72,010
+HK$3,605/mo
Deposit HK$12.79M · loan HK$12.79M · min. income ≈ HK$136,810/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,003
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,181
−HK$2,212/mo
Today · 4.125%
HK$74,393
baseline
▲ 0.50% · 4.625%
HK$78,920
+HK$4,527/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$148,786/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,878
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,967
−HK$2,119/mo
Today · 4.125%
HK$82,086
baseline
▲ 0.50% · 4.625%
HK$86,412
+HK$4,326/mo
Deposit HK$10.23M · loan HK$15.35M · min. income ≈ HK$164,172/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,671
−HK$5,121/mo
▼ 0.25% · 3.875%
HK$84,211
−HK$2,581/mo
Today · 4.125%
HK$86,792
baseline
▲ 0.50% · 4.625%
HK$92,073
+HK$5,281/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$173,584/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,858
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,295
−HK$2,472/mo
Today · 4.125%
HK$95,767
baseline
▲ 0.50% · 4.625%
HK$100,815
+HK$5,048/mo
Deposit HK$7.67M · loan HK$17.91M · min. income ≈ HK$191,534/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,005
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,271
−HK$3,319/mo
Today · 4.125%
HK$111,590
baseline
▲ 0.50% · 4.625%
HK$118,380
+HK$6,790/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$223,180/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,817
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,950
−HK$3,178/mo
Today · 4.125%
HK$123,128
baseline
▲ 0.50% · 4.625%
HK$129,619
+HK$6,491/mo
Deposit HK$2.56M · loan HK$23.02M · min. income ≈ HK$246,256/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,285 · Scale 2, in force from 26 Feb 2026)