LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,971
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,805
−HK$1,864/mo
Today · 4.125%
HK$62,669
baseline
▲ 0.50% · 4.625%
HK$66,482
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,338/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,605
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,364
−HK$1,785/mo
Today · 4.125%
HK$69,149
baseline
▲ 0.50% · 4.625%
HK$72,794
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,298/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,765
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,966
−HK$2,237/mo
Today · 4.125%
HK$75,203
baseline
▲ 0.50% · 4.625%
HK$79,779
+HK$4,576/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$150,406/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,726
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,837
−HK$2,142/mo
Today · 4.125%
HK$82,979
baseline
▲ 0.50% · 4.625%
HK$87,353
+HK$4,374/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$165,958/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,559
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,128
−HK$2,609/mo
Today · 4.125%
HK$87,737
baseline
▲ 0.50% · 4.625%
HK$93,075
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,474/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,847
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,310
−HK$2,499/mo
Today · 4.125%
HK$96,809
baseline
▲ 0.50% · 4.625%
HK$101,912
+HK$5,103/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,618/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,148
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,450
−HK$3,354/mo
Today · 4.125%
HK$112,804
baseline
▲ 0.50% · 4.625%
HK$119,668
+HK$6,864/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,608/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,089
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,256
−HK$3,212/mo
Today · 4.125%
HK$124,468
baseline
▲ 0.50% · 4.625%
HK$131,029
+HK$6,561/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,936/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,118 · Scale 2, in force from 26 Feb 2026)