LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,211
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,053
−HK$1,871/mo
Today · 4.125%
HK$62,924
baseline
▲ 0.50% · 4.625%
HK$66,753
+HK$3,829/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,848/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,872
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,639
−HK$1,792/mo
Today · 4.125%
HK$69,431
baseline
▲ 0.50% · 4.625%
HK$73,091
+HK$3,660/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,862/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,054
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,264
−HK$2,245/mo
Today · 4.125%
HK$75,509
baseline
▲ 0.50% · 4.625%
HK$80,104
+HK$4,595/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,018/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,046
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,166
−HK$2,151/mo
Today · 4.125%
HK$83,317
baseline
▲ 0.50% · 4.625%
HK$87,709
+HK$4,392/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,634/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,896
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,474
−HK$2,620/mo
Today · 4.125%
HK$88,094
baseline
▲ 0.50% · 4.625%
HK$93,454
+HK$5,360/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,188/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,221
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,694
−HK$2,509/mo
Today · 4.125%
HK$97,203
baseline
▲ 0.50% · 4.625%
HK$102,327
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,406/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,580
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,896
−HK$3,368/mo
Today · 4.125%
HK$113,264
baseline
▲ 0.50% · 4.625%
HK$120,156
+HK$6,892/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,528/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,570
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,750
−HK$3,226/mo
Today · 4.125%
HK$124,976
baseline
▲ 0.50% · 4.625%
HK$131,563
+HK$6,587/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,952/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,596 · Scale 2, in force from 26 Feb 2026)