LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,169
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,010
−HK$1,870/mo
Today · 4.125%
HK$62,880
baseline
▲ 0.50% · 4.625%
HK$66,706
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,760/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,825
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,590
−HK$1,791/mo
Today · 4.125%
HK$69,381
baseline
▲ 0.50% · 4.625%
HK$73,039
+HK$3,658/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,762/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,003
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,212
−HK$2,243/mo
Today · 4.125%
HK$75,455
baseline
▲ 0.50% · 4.625%
HK$80,047
+HK$4,592/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,910/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,990
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,109
−HK$2,149/mo
Today · 4.125%
HK$83,258
baseline
▲ 0.50% · 4.625%
HK$87,646
+HK$4,388/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,516/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,837
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,413
−HK$2,618/mo
Today · 4.125%
HK$88,031
baseline
▲ 0.50% · 4.625%
HK$93,388
+HK$5,357/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,062/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,155
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,627
−HK$2,507/mo
Today · 4.125%
HK$97,134
baseline
▲ 0.50% · 4.625%
HK$102,254
+HK$5,120/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,268/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,504
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,817
−HK$3,366/mo
Today · 4.125%
HK$113,183
baseline
▲ 0.50% · 4.625%
HK$120,070
+HK$6,887/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,366/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,485
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,663
−HK$3,223/mo
Today · 4.125%
HK$124,886
baseline
▲ 0.50% · 4.625%
HK$131,469
+HK$6,583/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,772/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,809 · Scale 2, in force from 26 Feb 2026)