LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,834
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,664
−HK$1,859/mo
Today · 4.125%
HK$62,523
baseline
▲ 0.50% · 4.625%
HK$66,328
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,046/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,452
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,208
−HK$1,780/mo
Today · 4.125%
HK$68,988
baseline
▲ 0.50% · 4.625%
HK$72,625
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,976/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,601
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,797
−HK$2,231/mo
Today · 4.125%
HK$75,028
baseline
▲ 0.50% · 4.625%
HK$79,593
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,056/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,543
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,649
−HK$2,137/mo
Today · 4.125%
HK$82,786
baseline
▲ 0.50% · 4.625%
HK$87,150
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,572/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,367
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,930
−HK$2,603/mo
Today · 4.125%
HK$87,533
baseline
▲ 0.50% · 4.625%
HK$92,859
+HK$5,326/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,066/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,633
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,091
−HK$2,493/mo
Today · 4.125%
HK$96,584
baseline
▲ 0.50% · 4.625%
HK$101,675
+HK$5,091/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,168/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,901
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,195
−HK$3,347/mo
Today · 4.125%
HK$112,542
baseline
▲ 0.50% · 4.625%
HK$119,390
+HK$6,848/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,084/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,814
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,974
−HK$3,205/mo
Today · 4.125%
HK$124,179
baseline
▲ 0.50% · 4.625%
HK$130,725
+HK$6,546/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,358/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,561 · Scale 2, in force from 26 Feb 2026)