LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,598
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,452
−HK$1,883/mo
Today · 4.125%
HK$63,335
baseline
▲ 0.50% · 4.625%
HK$67,189
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,670/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,302
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,080
−HK$1,804/mo
Today · 4.125%
HK$69,884
baseline
▲ 0.50% · 4.625%
HK$73,568
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,768/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,517
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,742
−HK$2,260/mo
Today · 4.125%
HK$76,002
baseline
▲ 0.50% · 4.625%
HK$80,627
+HK$4,625/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$152,004/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,562
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,696
−HK$2,165/mo
Today · 4.125%
HK$83,861
baseline
▲ 0.50% · 4.625%
HK$88,281
+HK$4,420/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,722/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,437
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,032
−HK$2,637/mo
Today · 4.125%
HK$88,669
baseline
▲ 0.50% · 4.625%
HK$94,065
+HK$5,396/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,338/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,823
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,312
−HK$2,526/mo
Today · 4.125%
HK$97,838
baseline
▲ 0.50% · 4.625%
HK$102,995
+HK$5,157/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,676/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,276
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,613
−HK$3,390/mo
Today · 4.125%
HK$114,003
baseline
▲ 0.50% · 4.625%
HK$120,940
+HK$6,937/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$228,006/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,344
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,544
−HK$3,247/mo
Today · 4.125%
HK$125,791
baseline
▲ 0.50% · 4.625%
HK$132,422
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,582/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,800 · Scale 2, in force from 26 Feb 2026)