LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,437
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,286
−HK$1,879/mo
Today · 4.125%
HK$63,165
baseline
▲ 0.50% · 4.625%
HK$67,008
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,330/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,123
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,897
−HK$1,799/mo
Today · 4.125%
HK$69,696
baseline
▲ 0.50% · 4.625%
HK$73,370
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,392/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,325
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,543
−HK$2,255/mo
Today · 4.125%
HK$75,798
baseline
▲ 0.50% · 4.625%
HK$80,410
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,596/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,348
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,476
−HK$2,159/mo
Today · 4.125%
HK$83,635
baseline
▲ 0.50% · 4.625%
HK$88,044
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,270/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,212
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,801
−HK$2,629/mo
Today · 4.125%
HK$88,430
baseline
▲ 0.50% · 4.625%
HK$93,811
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,860/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,573
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,056
−HK$2,518/mo
Today · 4.125%
HK$97,574
baseline
▲ 0.50% · 4.625%
HK$102,718
+HK$5,144/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,148/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,987
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,315
−HK$3,381/mo
Today · 4.125%
HK$113,696
baseline
▲ 0.50% · 4.625%
HK$120,614
+HK$6,918/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,392/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,022
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,214
−HK$3,239/mo
Today · 4.125%
HK$125,453
baseline
▲ 0.50% · 4.625%
HK$132,065
+HK$6,612/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,906/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,809 · Scale 2, in force from 26 Feb 2026)