LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,411
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,228
−HK$1,846/mo
Today · 4.125%
HK$62,074
baseline
▲ 0.50% · 4.625%
HK$65,851
+HK$3,777/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$124,148/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,981
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,724
−HK$1,768/mo
Today · 4.125%
HK$68,492
baseline
▲ 0.50% · 4.625%
HK$72,102
+HK$3,610/mo
Deposit HK$12.81M · loan HK$12.81M · min. income ≈ HK$136,984/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,088,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,093
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,273
−HK$2,215/mo
Today · 4.125%
HK$74,488
baseline
▲ 0.50% · 4.625%
HK$79,021
+HK$4,533/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$148,976/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,978
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,069
−HK$2,121/mo
Today · 4.125%
HK$82,190
baseline
▲ 0.50% · 4.625%
HK$86,523
+HK$4,333/mo
Deposit HK$10.25M · loan HK$15.37M · min. income ≈ HK$164,380/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,088,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,775
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,319
−HK$2,584/mo
Today · 4.125%
HK$86,903
baseline
▲ 0.50% · 4.625%
HK$92,191
+HK$5,288/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$173,806/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,974
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,414
−HK$2,475/mo
Today · 4.125%
HK$95,889
baseline
▲ 0.50% · 4.625%
HK$100,943
+HK$5,054/mo
Deposit HK$7.68M · loan HK$17.93M · min. income ≈ HK$191,778/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$1,088,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,139
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,410
−HK$3,322/mo
Today · 4.125%
HK$111,732
baseline
▲ 0.50% · 4.625%
HK$118,531
+HK$6,799/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$223,464/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,966
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,103
−HK$3,183/mo
Today · 4.125%
HK$123,286
baseline
▲ 0.50% · 4.625%
HK$129,784
+HK$6,498/mo
Deposit HK$2.56M · loan HK$23.05M · min. income ≈ HK$246,572/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,088,674 · Scale 2, in force from 26 Feb 2026)