LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,840
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,670
−HK$1,860/mo
Today · 4.125%
HK$62,530
baseline
▲ 0.50% · 4.625%
HK$66,335
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,060/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,459
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,215
−HK$1,781/mo
Today · 4.125%
HK$68,996
baseline
▲ 0.50% · 4.625%
HK$72,633
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,992/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,608
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,805
−HK$2,231/mo
Today · 4.125%
HK$75,036
baseline
▲ 0.50% · 4.625%
HK$79,602
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,072/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,551
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,658
−HK$2,137/mo
Today · 4.125%
HK$82,795
baseline
▲ 0.50% · 4.625%
HK$87,159
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,590/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,376
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,939
−HK$2,603/mo
Today · 4.125%
HK$87,542
baseline
▲ 0.50% · 4.625%
HK$92,869
+HK$5,327/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,084/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,643
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,101
−HK$2,493/mo
Today · 4.125%
HK$96,594
baseline
▲ 0.50% · 4.625%
HK$101,686
+HK$5,092/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,188/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,912
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,207
−HK$3,347/mo
Today · 4.125%
HK$112,554
baseline
▲ 0.50% · 4.625%
HK$119,403
+HK$6,849/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,108/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,826
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,986
−HK$3,206/mo
Today · 4.125%
HK$124,192
baseline
▲ 0.50% · 4.625%
HK$130,739
+HK$6,547/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,384/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,679 · Scale 2, in force from 26 Feb 2026)