LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,115
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,954
−HK$1,868/mo
Today · 4.125%
HK$62,822
baseline
▲ 0.50% · 4.625%
HK$66,644
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,644/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,765
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,528
−HK$1,790/mo
Today · 4.125%
HK$69,318
baseline
▲ 0.50% · 4.625%
HK$72,971
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,636/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,938
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,144
−HK$2,242/mo
Today · 4.125%
HK$75,386
baseline
▲ 0.50% · 4.625%
HK$79,973
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,772/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,918
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,034
−HK$2,147/mo
Today · 4.125%
HK$83,181
baseline
▲ 0.50% · 4.625%
HK$87,566
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,362/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,761
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,335
−HK$2,616/mo
Today · 4.125%
HK$87,951
baseline
▲ 0.50% · 4.625%
HK$93,302
+HK$5,351/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,902/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,070
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,540
−HK$2,505/mo
Today · 4.125%
HK$97,045
baseline
▲ 0.50% · 4.625%
HK$102,160
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,090/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,407
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$109,716
−HK$3,363/mo
Today · 4.125%
HK$113,079
baseline
▲ 0.50% · 4.625%
HK$119,960
+HK$6,881/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,158/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,376
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,551
−HK$3,221/mo
Today · 4.125%
HK$124,772
baseline
▲ 0.50% · 4.625%
HK$131,349
+HK$6,577/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,544/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,797 · Scale 2, in force from 26 Feb 2026)