LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,355
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,170
−HK$1,844/mo
Today · 4.125%
HK$62,014
baseline
▲ 0.50% · 4.625%
HK$65,788
+HK$3,774/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$124,028/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,919
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,660
−HK$1,766/mo
Today · 4.125%
HK$68,426
baseline
▲ 0.50% · 4.625%
HK$72,033
+HK$3,607/mo
Deposit HK$12.80M · loan HK$12.80M · min. income ≈ HK$136,852/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,087,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,026
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,204
−HK$2,213/mo
Today · 4.125%
HK$74,417
baseline
▲ 0.50% · 4.625%
HK$78,945
+HK$4,528/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$148,834/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,903
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,992
−HK$2,120/mo
Today · 4.125%
HK$82,112
baseline
▲ 0.50% · 4.625%
HK$86,440
+HK$4,328/mo
Deposit HK$10.24M · loan HK$15.35M · min. income ≈ HK$164,224/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,087,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,697
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,238
−HK$2,582/mo
Today · 4.125%
HK$86,820
baseline
▲ 0.50% · 4.625%
HK$92,103
+HK$5,283/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$173,640/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,887
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,324
−HK$2,473/mo
Today · 4.125%
HK$95,797
baseline
▲ 0.50% · 4.625%
HK$100,847
+HK$5,050/mo
Deposit HK$7.68M · loan HK$17.91M · min. income ≈ HK$191,594/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,087,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,039
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,306
−HK$3,319/mo
Today · 4.125%
HK$111,625
baseline
▲ 0.50% · 4.625%
HK$118,418
+HK$6,793/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$223,250/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,854
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$119,988
−HK$3,180/mo
Today · 4.125%
HK$123,168
baseline
▲ 0.50% · 4.625%
HK$129,660
+HK$6,492/mo
Deposit HK$2.56M · loan HK$23.03M · min. income ≈ HK$246,336/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,087,631 · Scale 2, in force from 26 Feb 2026)