LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,494
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,345
−HK$1,880/mo
Today · 4.125%
HK$63,225
baseline
▲ 0.50% · 4.625%
HK$67,072
+HK$3,847/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,450/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,187
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,962
−HK$1,800/mo
Today · 4.125%
HK$69,762
baseline
▲ 0.50% · 4.625%
HK$73,440
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,524/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,393
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,614
−HK$2,256/mo
Today · 4.125%
HK$75,870
baseline
▲ 0.50% · 4.625%
HK$80,486
+HK$4,616/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$151,740/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,424
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,554
−HK$2,161/mo
Today · 4.125%
HK$83,715
baseline
▲ 0.50% · 4.625%
HK$88,128
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$167,430/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,292
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,883
−HK$2,632/mo
Today · 4.125%
HK$88,515
baseline
▲ 0.50% · 4.625%
HK$93,901
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,030/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,661
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,146
−HK$2,521/mo
Today · 4.125%
HK$97,667
baseline
▲ 0.50% · 4.625%
HK$102,816
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,334/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,089
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,420
−HK$3,385/mo
Today · 4.125%
HK$113,805
baseline
▲ 0.50% · 4.625%
HK$120,730
+HK$6,925/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,610/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,136
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,331
−HK$3,241/mo
Today · 4.125%
HK$125,572
baseline
▲ 0.50% · 4.625%
HK$132,191
+HK$6,619/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,144/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,867 · Scale 2, in force from 26 Feb 2026)