LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,563
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,385
−HK$1,850/mo
Today · 4.125%
HK$62,235
baseline
▲ 0.50% · 4.625%
HK$66,022
+HK$3,787/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,470/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,151
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,898
−HK$1,773/mo
Today · 4.125%
HK$68,671
baseline
▲ 0.50% · 4.625%
HK$72,290
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,342/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,276
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,462
−HK$2,221/mo
Today · 4.125%
HK$74,683
baseline
▲ 0.50% · 4.625%
HK$79,227
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,366/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,181
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,278
−HK$2,127/mo
Today · 4.125%
HK$82,405
baseline
▲ 0.50% · 4.625%
HK$86,748
+HK$4,343/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,810/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,988
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,539
−HK$2,591/mo
Today · 4.125%
HK$87,130
baseline
▲ 0.50% · 4.625%
HK$92,431
+HK$5,301/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$174,260/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,211
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,657
−HK$2,482/mo
Today · 4.125%
HK$96,139
baseline
▲ 0.50% · 4.625%
HK$101,207
+HK$5,068/mo
Deposit HK$7.70M · loan HK$17.98M · min. income ≈ HK$192,278/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,091,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,413
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,692
−HK$3,332/mo
Today · 4.125%
HK$112,024
baseline
▲ 0.50% · 4.625%
HK$118,840
+HK$6,816/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$224,048/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,271
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,417
−HK$3,190/mo
Today · 4.125%
HK$123,607
baseline
▲ 0.50% · 4.625%
HK$130,123
+HK$6,516/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,214/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,513 · Scale 2, in force from 26 Feb 2026)