LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,393
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,240
−HK$1,877/mo
Today · 4.125%
HK$63,117
baseline
▲ 0.50% · 4.625%
HK$66,958
+HK$3,841/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,234/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,074
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,846
−HK$1,797/mo
Today · 4.125%
HK$69,643
baseline
▲ 0.50% · 4.625%
HK$73,314
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,286/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,271
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,488
−HK$2,252/mo
Today · 4.125%
HK$75,740
baseline
▲ 0.50% · 4.625%
HK$80,349
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,480/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,288
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,415
−HK$2,157/mo
Today · 4.125%
HK$83,572
baseline
▲ 0.50% · 4.625%
HK$87,977
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,144/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,150
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,736
−HK$2,628/mo
Today · 4.125%
HK$88,364
baseline
▲ 0.50% · 4.625%
HK$93,741
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,728/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,503
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,984
−HK$2,517/mo
Today · 4.125%
HK$97,501
baseline
▲ 0.50% · 4.625%
HK$102,640
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,002/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,907
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,232
−HK$3,379/mo
Today · 4.125%
HK$113,611
baseline
▲ 0.50% · 4.625%
HK$120,524
+HK$6,913/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,222/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,933
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,122
−HK$3,236/mo
Today · 4.125%
HK$125,358
baseline
▲ 0.50% · 4.625%
HK$131,966
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,716/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,974 · Scale 2, in force from 26 Feb 2026)