LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,550
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,402
−HK$1,882/mo
Today · 4.125%
HK$63,284
baseline
▲ 0.50% · 4.625%
HK$67,135
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,568/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,249
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,026
−HK$1,802/mo
Today · 4.125%
HK$69,828
baseline
▲ 0.50% · 4.625%
HK$73,509
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,656/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,460
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,683
−HK$2,258/mo
Today · 4.125%
HK$75,941
baseline
▲ 0.50% · 4.625%
HK$80,562
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,882/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,499
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,631
−HK$2,163/mo
Today · 4.125%
HK$83,794
baseline
▲ 0.50% · 4.625%
HK$88,211
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,588/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,370
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,963
−HK$2,635/mo
Today · 4.125%
HK$88,598
baseline
▲ 0.50% · 4.625%
HK$93,989
+HK$5,391/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,196/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,749
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,236
−HK$2,523/mo
Today · 4.125%
HK$97,759
baseline
▲ 0.50% · 4.625%
HK$102,912
+HK$5,153/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,518/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,190
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,524
−HK$3,388/mo
Today · 4.125%
HK$113,912
baseline
▲ 0.50% · 4.625%
HK$120,843
+HK$6,931/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,824/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,248
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,446
−HK$3,245/mo
Today · 4.125%
HK$125,691
baseline
▲ 0.50% · 4.625%
HK$132,316
+HK$6,625/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,382/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,911 · Scale 2, in force from 26 Feb 2026)