LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,607
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,461
−HK$1,884/mo
Today · 4.125%
HK$63,345
baseline
▲ 0.50% · 4.625%
HK$67,199
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,690/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,312
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,090
−HK$1,805/mo
Today · 4.125%
HK$69,895
baseline
▲ 0.50% · 4.625%
HK$73,579
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,790/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,528
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,753
−HK$2,261/mo
Today · 4.125%
HK$76,014
baseline
▲ 0.50% · 4.625%
HK$80,639
+HK$4,625/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$152,028/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,574
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,708
−HK$2,165/mo
Today · 4.125%
HK$83,873
baseline
▲ 0.50% · 4.625%
HK$88,295
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$167,746/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,449
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,045
−HK$2,637/mo
Today · 4.125%
HK$88,682
baseline
▲ 0.50% · 4.625%
HK$94,079
+HK$5,397/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,364/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,837
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,326
−HK$2,526/mo
Today · 4.125%
HK$97,852
baseline
▲ 0.50% · 4.625%
HK$103,010
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,704/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,292
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,630
−HK$3,390/mo
Today · 4.125%
HK$114,020
baseline
▲ 0.50% · 4.625%
HK$120,958
+HK$6,938/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,040/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,110,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,361
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,563
−HK$3,247/mo
Today · 4.125%
HK$125,810
baseline
▲ 0.50% · 4.625%
HK$132,442
+HK$6,632/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,620/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,110,966 · Scale 2, in force from 26 Feb 2026)