LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,555
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,407
−HK$1,883/mo
Today · 4.125%
HK$63,290
baseline
▲ 0.50% · 4.625%
HK$67,141
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,580/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,254
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,031
−HK$1,803/mo
Today · 4.125%
HK$69,834
baseline
▲ 0.50% · 4.625%
HK$73,515
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,668/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,466
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,689
−HK$2,258/mo
Today · 4.125%
HK$75,947
baseline
▲ 0.50% · 4.625%
HK$80,569
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,894/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,505
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,637
−HK$2,164/mo
Today · 4.125%
HK$83,801
baseline
▲ 0.50% · 4.625%
HK$88,218
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,602/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,377
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,970
−HK$2,635/mo
Today · 4.125%
HK$88,605
baseline
▲ 0.50% · 4.625%
HK$93,997
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,210/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,756
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,244
−HK$2,523/mo
Today · 4.125%
HK$97,767
baseline
▲ 0.50% · 4.625%
HK$102,921
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,534/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,199
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,533
−HK$3,388/mo
Today · 4.125%
HK$113,921
baseline
▲ 0.50% · 4.625%
HK$120,853
+HK$6,932/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,842/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,258
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,456
−HK$3,245/mo
Today · 4.125%
HK$125,701
baseline
▲ 0.50% · 4.625%
HK$132,327
+HK$6,626/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,402/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,000 · Scale 2, in force from 26 Feb 2026)