LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,357
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,203
−HK$1,876/mo
Today · 4.125%
HK$63,079
baseline
▲ 0.50% · 4.625%
HK$66,917
+HK$3,838/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,158/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,034
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,805
−HK$1,796/mo
Today · 4.125%
HK$69,601
baseline
▲ 0.50% · 4.625%
HK$73,270
+HK$3,669/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,202/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,228
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,443
−HK$2,251/mo
Today · 4.125%
HK$75,694
baseline
▲ 0.50% · 4.625%
HK$80,300
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,388/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,240
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,365
−HK$2,156/mo
Today · 4.125%
HK$83,521
baseline
▲ 0.50% · 4.625%
HK$87,924
+HK$4,403/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,042/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,099
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,684
−HK$2,626/mo
Today · 4.125%
HK$88,310
baseline
▲ 0.50% · 4.625%
HK$93,684
+HK$5,374/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,620/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,447
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,926
−HK$2,516/mo
Today · 4.125%
HK$97,442
baseline
▲ 0.50% · 4.625%
HK$102,578
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,884/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,842
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,165
−HK$3,377/mo
Today · 4.125%
HK$113,542
baseline
▲ 0.50% · 4.625%
HK$120,450
+HK$6,908/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,084/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,860
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,048
−HK$3,234/mo
Today · 4.125%
HK$125,282
baseline
▲ 0.50% · 4.625%
HK$131,886
+HK$6,604/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,564/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,303 · Scale 2, in force from 26 Feb 2026)