LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,638
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,462
−HK$1,853/mo
Today · 4.125%
HK$62,315
baseline
▲ 0.50% · 4.625%
HK$66,107
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,630/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,234
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,984
−HK$1,774/mo
Today · 4.125%
HK$68,758
baseline
▲ 0.50% · 4.625%
HK$72,383
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,516/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,365
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,554
−HK$2,224/mo
Today · 4.125%
HK$74,778
baseline
▲ 0.50% · 4.625%
HK$79,328
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,556/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,281
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,380
−HK$2,130/mo
Today · 4.125%
HK$82,510
baseline
▲ 0.50% · 4.625%
HK$86,859
+HK$4,349/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,020/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,093
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,647
−HK$2,594/mo
Today · 4.125%
HK$87,241
baseline
▲ 0.50% · 4.625%
HK$92,549
+HK$5,308/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,482/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,328
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,777
−HK$2,485/mo
Today · 4.125%
HK$96,262
baseline
▲ 0.50% · 4.625%
HK$101,336
+HK$5,074/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,524/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,548
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,831
−HK$3,336/mo
Today · 4.125%
HK$112,167
baseline
▲ 0.50% · 4.625%
HK$118,992
+HK$6,825/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,334/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,421
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,570
−HK$3,195/mo
Today · 4.125%
HK$123,765
baseline
▲ 0.50% · 4.625%
HK$130,289
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,530/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,908 · Scale 2, in force from 26 Feb 2026)