LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,082
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,919
−HK$1,868/mo
Today · 4.125%
HK$62,787
baseline
▲ 0.50% · 4.625%
HK$66,607
+HK$3,820/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,574/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,728
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,490
−HK$1,789/mo
Today · 4.125%
HK$69,279
baseline
▲ 0.50% · 4.625%
HK$72,931
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,558/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,898
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,103
−HK$2,241/mo
Today · 4.125%
HK$75,344
baseline
▲ 0.50% · 4.625%
HK$79,928
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$150,688/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,873
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,989
−HK$2,145/mo
Today · 4.125%
HK$83,134
baseline
▲ 0.50% · 4.625%
HK$87,517
+HK$4,383/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$166,268/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,714
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,287
−HK$2,614/mo
Today · 4.125%
HK$87,901
baseline
▲ 0.50% · 4.625%
HK$93,250
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,802/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,019
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,487
−HK$2,503/mo
Today · 4.125%
HK$96,990
baseline
▲ 0.50% · 4.625%
HK$102,103
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,980/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,347
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,655
−HK$3,361/mo
Today · 4.125%
HK$113,016
baseline
▲ 0.50% · 4.625%
HK$119,892
+HK$6,876/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,032/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,310
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,483
−HK$3,219/mo
Today · 4.125%
HK$124,702
baseline
▲ 0.50% · 4.625%
HK$131,275
+HK$6,573/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,404/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,178 · Scale 2, in force from 26 Feb 2026)