LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,600
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,454
−HK$1,884/mo
Today · 4.125%
HK$63,338
baseline
▲ 0.50% · 4.625%
HK$67,192
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,676/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,305
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,083
−HK$1,804/mo
Today · 4.125%
HK$69,887
baseline
▲ 0.50% · 4.625%
HK$73,571
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,774/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,520
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,745
−HK$2,260/mo
Today · 4.125%
HK$76,005
baseline
▲ 0.50% · 4.625%
HK$80,630
+HK$4,625/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$152,010/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,566
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,700
−HK$2,164/mo
Today · 4.125%
HK$83,864
baseline
▲ 0.50% · 4.625%
HK$88,285
+HK$4,421/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$167,728/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,440
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,036
−HK$2,637/mo
Today · 4.125%
HK$88,673
baseline
▲ 0.50% · 4.625%
HK$94,068
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,346/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,827
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,316
−HK$2,526/mo
Today · 4.125%
HK$97,842
baseline
▲ 0.50% · 4.625%
HK$102,999
+HK$5,157/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,684/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,281
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,618
−HK$3,390/mo
Today · 4.125%
HK$114,008
baseline
▲ 0.50% · 4.625%
HK$120,945
+HK$6,937/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$228,016/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,349
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,549
−HK$3,248/mo
Today · 4.125%
HK$125,797
baseline
▲ 0.50% · 4.625%
HK$132,428
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,594/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,846 · Scale 2, in force from 26 Feb 2026)