LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,438
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,287
−HK$1,878/mo
Today · 4.125%
HK$63,165
baseline
▲ 0.50% · 4.625%
HK$67,009
+HK$3,844/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$1,107,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,124
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,898
−HK$1,799/mo
Today · 4.125%
HK$69,697
baseline
▲ 0.50% · 4.625%
HK$73,371
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,394/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,326
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,544
−HK$2,255/mo
Today · 4.125%
HK$75,799
baseline
▲ 0.50% · 4.625%
HK$80,411
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,598/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,349
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,477
−HK$2,159/mo
Today · 4.125%
HK$83,636
baseline
▲ 0.50% · 4.625%
HK$88,045
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,272/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,213
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,802
−HK$2,630/mo
Today · 4.125%
HK$88,432
baseline
▲ 0.50% · 4.625%
HK$93,812
+HK$5,380/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,864/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,574
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,057
−HK$2,519/mo
Today · 4.125%
HK$97,576
baseline
▲ 0.50% · 4.625%
HK$102,719
+HK$5,143/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,152/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,989
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,317
−HK$3,381/mo
Today · 4.125%
HK$113,698
baseline
▲ 0.50% · 4.625%
HK$120,616
+HK$6,918/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,396/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,024
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,216
−HK$3,238/mo
Today · 4.125%
HK$125,454
baseline
▲ 0.50% · 4.625%
HK$132,067
+HK$6,613/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,908/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,823 · Scale 2, in force from 26 Feb 2026)