LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,610
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,433
−HK$1,852/mo
Today · 4.125%
HK$62,285
baseline
▲ 0.50% · 4.625%
HK$66,075
+HK$3,790/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,570/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,203
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,952
−HK$1,774/mo
Today · 4.125%
HK$68,726
baseline
▲ 0.50% · 4.625%
HK$72,348
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,452/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,332
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,520
−HK$2,222/mo
Today · 4.125%
HK$74,742
baseline
▲ 0.50% · 4.625%
HK$79,290
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,484/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,244
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,342
−HK$2,129/mo
Today · 4.125%
HK$82,471
baseline
▲ 0.50% · 4.625%
HK$86,818
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,942/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,054
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,606
−HK$2,593/mo
Today · 4.125%
HK$87,199
baseline
▲ 0.50% · 4.625%
HK$92,505
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,398/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,284
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,732
−HK$2,484/mo
Today · 4.125%
HK$96,216
baseline
▲ 0.50% · 4.625%
HK$101,288
+HK$5,072/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,432/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,498
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,779
−HK$3,335/mo
Today · 4.125%
HK$112,114
baseline
▲ 0.50% · 4.625%
HK$118,935
+HK$6,821/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,228/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,365
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,513
−HK$3,193/mo
Today · 4.125%
HK$123,706
baseline
▲ 0.50% · 4.625%
HK$130,227
+HK$6,521/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,412/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,388 · Scale 2, in force from 26 Feb 2026)