LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,086
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,924
−HK$1,868/mo
Today · 4.125%
HK$62,792
baseline
▲ 0.50% · 4.625%
HK$66,612
+HK$3,820/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,584/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,733
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,496
−HK$1,788/mo
Today · 4.125%
HK$69,284
baseline
▲ 0.50% · 4.625%
HK$72,936
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,568/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,904
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,109
−HK$2,241/mo
Today · 4.125%
HK$75,350
baseline
▲ 0.50% · 4.625%
HK$79,935
+HK$4,585/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$150,700/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,880
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,995
−HK$2,146/mo
Today · 4.125%
HK$83,141
baseline
▲ 0.50% · 4.625%
HK$87,524
+HK$4,383/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$166,282/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,721
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,294
−HK$2,614/mo
Today · 4.125%
HK$87,908
baseline
▲ 0.50% · 4.625%
HK$93,257
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,816/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,026
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,494
−HK$2,504/mo
Today · 4.125%
HK$96,998
baseline
▲ 0.50% · 4.625%
HK$102,111
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,996/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,356
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,664
−HK$3,361/mo
Today · 4.125%
HK$113,025
baseline
▲ 0.50% · 4.625%
HK$119,902
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,050/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,319
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,493
−HK$3,219/mo
Today · 4.125%
HK$124,712
baseline
▲ 0.50% · 4.625%
HK$131,286
+HK$6,574/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,424/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,268 · Scale 2, in force from 26 Feb 2026)