LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,154
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,994
−HK$1,869/mo
Today · 4.125%
HK$62,863
baseline
▲ 0.50% · 4.625%
HK$66,688
+HK$3,825/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,726/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,808
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,573
−HK$1,790/mo
Today · 4.125%
HK$69,363
baseline
▲ 0.50% · 4.625%
HK$73,020
+HK$3,657/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,726/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,984
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,192
−HK$2,244/mo
Today · 4.125%
HK$75,436
baseline
▲ 0.50% · 4.625%
HK$80,026
+HK$4,590/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,872/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,969
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,087
−HK$2,149/mo
Today · 4.125%
HK$83,236
baseline
▲ 0.50% · 4.625%
HK$87,623
+HK$4,387/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,472/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,815
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,391
−HK$2,617/mo
Today · 4.125%
HK$88,008
baseline
▲ 0.50% · 4.625%
HK$93,364
+HK$5,356/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,016/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,131
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,602
−HK$2,507/mo
Today · 4.125%
HK$97,109
baseline
▲ 0.50% · 4.625%
HK$102,227
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,218/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,477
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,789
−HK$3,365/mo
Today · 4.125%
HK$113,154
baseline
▲ 0.50% · 4.625%
HK$120,039
+HK$6,885/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,308/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,454
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,631
−HK$3,223/mo
Today · 4.125%
HK$124,854
baseline
▲ 0.50% · 4.625%
HK$131,435
+HK$6,581/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,708/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,522 · Scale 2, in force from 26 Feb 2026)