LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,352
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,167
−HK$1,844/mo
Today · 4.125%
HK$62,011
baseline
▲ 0.50% · 4.625%
HK$65,784
+HK$3,773/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,022/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,916
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,657
−HK$1,766/mo
Today · 4.125%
HK$68,423
baseline
▲ 0.50% · 4.625%
HK$72,030
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,846/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,022
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,200
−HK$2,213/mo
Today · 4.125%
HK$74,413
baseline
▲ 0.50% · 4.625%
HK$78,941
+HK$4,528/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$148,826/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,899
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,988
−HK$2,120/mo
Today · 4.125%
HK$82,108
baseline
▲ 0.50% · 4.625%
HK$86,436
+HK$4,328/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$164,216/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,693
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,234
−HK$2,582/mo
Today · 4.125%
HK$86,816
baseline
▲ 0.50% · 4.625%
HK$92,098
+HK$5,282/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,632/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,882
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,320
−HK$2,472/mo
Today · 4.125%
HK$95,792
baseline
▲ 0.50% · 4.625%
HK$100,842
+HK$5,050/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,584/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$1,087,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,034
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,301
−HK$3,319/mo
Today · 4.125%
HK$111,620
baseline
▲ 0.50% · 4.625%
HK$118,412
+HK$6,792/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,240/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,849
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,983
−HK$3,179/mo
Today · 4.125%
HK$123,162
baseline
▲ 0.50% · 4.625%
HK$129,654
+HK$6,492/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,324/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,580 · Scale 2, in force from 26 Feb 2026)