LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,641
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,465
−HK$1,853/mo
Today · 4.125%
HK$62,318
baseline
▲ 0.50% · 4.625%
HK$66,110
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,636/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,238
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,987
−HK$1,775/mo
Today · 4.125%
HK$68,762
baseline
▲ 0.50% · 4.625%
HK$72,387
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,524/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,369
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,558
−HK$2,224/mo
Today · 4.125%
HK$74,782
baseline
▲ 0.50% · 4.625%
HK$79,332
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,564/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,285
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,385
−HK$2,130/mo
Today · 4.125%
HK$82,515
baseline
▲ 0.50% · 4.625%
HK$86,864
+HK$4,349/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,030/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,098
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,651
−HK$2,595/mo
Today · 4.125%
HK$87,246
baseline
▲ 0.50% · 4.625%
HK$92,555
+HK$5,309/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$174,492/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,333
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,782
−HK$2,485/mo
Today · 4.125%
HK$96,267
baseline
▲ 0.50% · 4.625%
HK$101,342
+HK$5,075/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$192,534/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,554
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,837
−HK$3,336/mo
Today · 4.125%
HK$112,173
baseline
▲ 0.50% · 4.625%
HK$118,999
+HK$6,826/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,346/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,428
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,577
−HK$3,195/mo
Today · 4.125%
HK$123,772
baseline
▲ 0.50% · 4.625%
HK$130,296
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,544/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,969 · Scale 2, in force from 26 Feb 2026)