LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,748
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,575
−HK$1,857/mo
Today · 4.125%
HK$62,432
baseline
▲ 0.50% · 4.625%
HK$66,231
+HK$3,799/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,864/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,356
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,109
−HK$1,778/mo
Today · 4.125%
HK$68,887
baseline
▲ 0.50% · 4.625%
HK$72,519
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,774/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,497
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,690
−HK$2,228/mo
Today · 4.125%
HK$74,918
baseline
▲ 0.50% · 4.625%
HK$79,477
+HK$4,559/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,836/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,428
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,531
−HK$2,134/mo
Today · 4.125%
HK$82,665
baseline
▲ 0.50% · 4.625%
HK$87,022
+HK$4,357/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,330/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,247
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,805
−HK$2,600/mo
Today · 4.125%
HK$87,405
baseline
▲ 0.50% · 4.625%
HK$92,723
+HK$5,318/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,810/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,499
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,953
−HK$2,489/mo
Today · 4.125%
HK$96,442
baseline
▲ 0.50% · 4.625%
HK$101,526
+HK$5,084/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,884/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,746
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,035
−HK$3,342/mo
Today · 4.125%
HK$112,377
baseline
▲ 0.50% · 4.625%
HK$119,215
+HK$6,838/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,754/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,642
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,797
−HK$3,200/mo
Today · 4.125%
HK$123,997
baseline
▲ 0.50% · 4.625%
HK$130,533
+HK$6,536/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$247,994/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,958 · Scale 2, in force from 26 Feb 2026)