LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,829
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,659
−HK$1,859/mo
Today · 4.125%
HK$62,518
baseline
▲ 0.50% · 4.625%
HK$66,322
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,036/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,447
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,202
−HK$1,781/mo
Today · 4.125%
HK$68,983
baseline
▲ 0.50% · 4.625%
HK$72,619
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,966/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,595
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,791
−HK$2,231/mo
Today · 4.125%
HK$75,022
baseline
▲ 0.50% · 4.625%
HK$79,587
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,044/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,536
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,643
−HK$2,136/mo
Today · 4.125%
HK$82,779
baseline
▲ 0.50% · 4.625%
HK$87,143
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,558/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,361
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,923
−HK$2,603/mo
Today · 4.125%
HK$87,526
baseline
▲ 0.50% · 4.625%
HK$92,851
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,052/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,626
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,083
−HK$2,493/mo
Today · 4.125%
HK$96,576
baseline
▲ 0.50% · 4.625%
HK$101,667
+HK$5,091/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,152/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,893
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,187
−HK$3,346/mo
Today · 4.125%
HK$112,533
baseline
▲ 0.50% · 4.625%
HK$119,380
+HK$6,847/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,066/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,805
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,964
−HK$3,205/mo
Today · 4.125%
HK$124,169
baseline
▲ 0.50% · 4.625%
HK$130,714
+HK$6,545/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,338/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,475 · Scale 2, in force from 26 Feb 2026)