LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,642
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,466
−HK$1,853/mo
Today · 4.125%
HK$62,319
baseline
▲ 0.50% · 4.625%
HK$66,111
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,638/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,238
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,988
−HK$1,775/mo
Today · 4.125%
HK$68,763
baseline
▲ 0.50% · 4.625%
HK$72,388
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,526/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,370
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,559
−HK$2,224/mo
Today · 4.125%
HK$74,783
baseline
▲ 0.50% · 4.625%
HK$79,333
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,566/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,286
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,386
−HK$2,130/mo
Today · 4.125%
HK$82,516
baseline
▲ 0.50% · 4.625%
HK$86,865
+HK$4,349/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,032/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,099
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,652
−HK$2,595/mo
Today · 4.125%
HK$87,247
baseline
▲ 0.50% · 4.625%
HK$92,556
+HK$5,309/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$174,494/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,334
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,783
−HK$2,485/mo
Today · 4.125%
HK$96,268
baseline
▲ 0.50% · 4.625%
HK$101,343
+HK$5,075/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$192,536/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,555
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,839
−HK$3,335/mo
Today · 4.125%
HK$112,174
baseline
▲ 0.50% · 4.625%
HK$119,000
+HK$6,826/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,348/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,429
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,579
−HK$3,194/mo
Today · 4.125%
HK$123,773
baseline
▲ 0.50% · 4.625%
HK$130,298
+HK$6,525/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,546/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,981 · Scale 2, in force from 26 Feb 2026)