LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,948
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,781
−HK$1,863/mo
Today · 4.125%
HK$62,644
baseline
▲ 0.50% · 4.625%
HK$66,456
+HK$3,812/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,288/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,579
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,338
−HK$1,784/mo
Today · 4.125%
HK$69,122
baseline
▲ 0.50% · 4.625%
HK$72,765
+HK$3,643/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,244/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,737
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,938
−HK$2,235/mo
Today · 4.125%
HK$75,173
baseline
▲ 0.50% · 4.625%
HK$79,747
+HK$4,574/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,346/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,695
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,805
−HK$2,141/mo
Today · 4.125%
HK$82,946
baseline
▲ 0.50% · 4.625%
HK$87,318
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,892/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,527
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,094
−HK$2,608/mo
Today · 4.125%
HK$87,702
baseline
▲ 0.50% · 4.625%
HK$93,038
+HK$5,336/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,404/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,810
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,273
−HK$2,498/mo
Today · 4.125%
HK$96,771
baseline
▲ 0.50% · 4.625%
HK$101,871
+HK$5,100/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,542/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,106
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,406
−HK$3,354/mo
Today · 4.125%
HK$112,760
baseline
▲ 0.50% · 4.625%
HK$119,621
+HK$6,861/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,520/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,042
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,208
−HK$3,211/mo
Today · 4.125%
HK$124,419
baseline
▲ 0.50% · 4.625%
HK$130,978
+HK$6,559/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,838/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,684 · Scale 2, in force from 26 Feb 2026)