LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,469
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,319
−HK$1,879/mo
Today · 4.125%
HK$63,198
baseline
▲ 0.50% · 4.625%
HK$67,044
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,396/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,159
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,933
−HK$1,800/mo
Today · 4.125%
HK$69,733
baseline
▲ 0.50% · 4.625%
HK$73,409
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,466/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,363
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,583
−HK$2,255/mo
Today · 4.125%
HK$75,838
baseline
▲ 0.50% · 4.625%
HK$80,453
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,676/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,390
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,520
−HK$2,160/mo
Today · 4.125%
HK$83,680
baseline
▲ 0.50% · 4.625%
HK$88,091
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,360/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,257
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,846
−HK$2,632/mo
Today · 4.125%
HK$88,478
baseline
▲ 0.50% · 4.625%
HK$93,861
+HK$5,383/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$176,956/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,622
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,106
−HK$2,520/mo
Today · 4.125%
HK$97,626
baseline
▲ 0.50% · 4.625%
HK$102,772
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$195,252/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,044
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,374
−HK$3,383/mo
Today · 4.125%
HK$113,757
baseline
▲ 0.50% · 4.625%
HK$120,679
+HK$6,922/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,514/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,086
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,280
−HK$3,240/mo
Today · 4.125%
HK$125,520
baseline
▲ 0.50% · 4.625%
HK$132,136
+HK$6,616/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,040/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,400 · Scale 2, in force from 26 Feb 2026)