LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,150
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,990
−HK$1,869/mo
Today · 4.125%
HK$62,859
baseline
▲ 0.50% · 4.625%
HK$66,684
+HK$3,825/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,718/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,803
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,568
−HK$1,790/mo
Today · 4.125%
HK$69,358
baseline
▲ 0.50% · 4.625%
HK$73,014
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,716/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,980
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,187
−HK$2,244/mo
Today · 4.125%
HK$75,431
baseline
▲ 0.50% · 4.625%
HK$80,020
+HK$4,589/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$150,862/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,964
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,082
−HK$2,148/mo
Today · 4.125%
HK$83,230
baseline
▲ 0.50% · 4.625%
HK$87,617
+HK$4,387/mo
Deposit HK$10.38M · loan HK$15.56M · min. income ≈ HK$166,460/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,809
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,385
−HK$2,617/mo
Today · 4.125%
HK$88,002
baseline
▲ 0.50% · 4.625%
HK$93,357
+HK$5,355/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,004/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,125
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,595
−HK$2,507/mo
Today · 4.125%
HK$97,102
baseline
▲ 0.50% · 4.625%
HK$102,220
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,204/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,469
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,781
−HK$3,365/mo
Today · 4.125%
HK$113,146
baseline
▲ 0.50% · 4.625%
HK$120,031
+HK$6,885/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,292/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,446
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,623
−HK$3,222/mo
Today · 4.125%
HK$124,845
baseline
▲ 0.50% · 4.625%
HK$131,426
+HK$6,581/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,690/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,446 · Scale 2, in force from 26 Feb 2026)