LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,471
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,290
−HK$1,848/mo
Today · 4.125%
HK$62,138
baseline
▲ 0.50% · 4.625%
HK$65,919
+HK$3,781/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$124,276/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,048
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,793
−HK$1,770/mo
Today · 4.125%
HK$68,563
baseline
▲ 0.50% · 4.625%
HK$72,177
+HK$3,614/mo
Deposit HK$12.82M · loan HK$12.82M · min. income ≈ HK$137,126/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,089,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,165
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,348
−HK$2,217/mo
Today · 4.125%
HK$74,565
baseline
▲ 0.50% · 4.625%
HK$79,102
+HK$4,537/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$149,130/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,058
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,152
−HK$2,123/mo
Today · 4.125%
HK$82,275
baseline
▲ 0.50% · 4.625%
HK$86,612
+HK$4,337/mo
Deposit HK$10.26M · loan HK$15.39M · min. income ≈ HK$164,550/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$1,089,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,859
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,406
−HK$2,587/mo
Today · 4.125%
HK$86,993
baseline
▲ 0.50% · 4.625%
HK$92,286
+HK$5,293/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$173,986/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,068
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,510
−HK$2,478/mo
Today · 4.125%
HK$95,988
baseline
▲ 0.50% · 4.625%
HK$101,047
+HK$5,059/mo
Deposit HK$7.69M · loan HK$17.95M · min. income ≈ HK$191,976/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$1,089,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,248
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,522
−HK$3,326/mo
Today · 4.125%
HK$111,848
baseline
▲ 0.50% · 4.625%
HK$118,653
+HK$6,805/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$223,696/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,087
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,227
−HK$3,186/mo
Today · 4.125%
HK$123,413
baseline
▲ 0.50% · 4.625%
HK$129,918
+HK$6,505/mo
Deposit HK$2.56M · loan HK$23.08M · min. income ≈ HK$246,826/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$1,089,798 · Scale 2, in force from 26 Feb 2026)