LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,983
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,818
−HK$1,864/mo
Today · 4.125%
HK$62,682
baseline
▲ 0.50% · 4.625%
HK$66,496
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,364/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,618
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,378
−HK$1,786/mo
Today · 4.125%
HK$69,164
baseline
▲ 0.50% · 4.625%
HK$72,809
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,328/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,780
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,982
−HK$2,237/mo
Today · 4.125%
HK$75,219
baseline
▲ 0.50% · 4.625%
HK$79,796
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,438/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,742
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,854
−HK$2,142/mo
Today · 4.125%
HK$82,996
baseline
▲ 0.50% · 4.625%
HK$87,371
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,992/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,577
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,145
−HK$2,610/mo
Today · 4.125%
HK$87,755
baseline
▲ 0.50% · 4.625%
HK$93,095
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,510/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,866
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,330
−HK$2,499/mo
Today · 4.125%
HK$96,829
baseline
▲ 0.50% · 4.625%
HK$101,933
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,658/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,170
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,473
−HK$3,355/mo
Today · 4.125%
HK$112,828
baseline
▲ 0.50% · 4.625%
HK$119,693
+HK$6,865/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,656/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,113
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,281
−HK$3,214/mo
Today · 4.125%
HK$124,495
baseline
▲ 0.50% · 4.625%
HK$131,057
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,990/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,349 · Scale 2, in force from 26 Feb 2026)