LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,664
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,519
−HK$1,886/mo
Today · 4.125%
HK$63,405
baseline
▲ 0.50% · 4.625%
HK$67,263
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,810/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,112,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,375
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,155
−HK$1,806/mo
Today · 4.125%
HK$69,961
baseline
▲ 0.50% · 4.625%
HK$73,649
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,922/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,112,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,596
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,823
−HK$2,263/mo
Today · 4.125%
HK$76,086
baseline
▲ 0.50% · 4.625%
HK$80,716
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,172/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,650
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,786
−HK$2,167/mo
Today · 4.125%
HK$83,953
baseline
▲ 0.50% · 4.625%
HK$88,379
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,906/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,529
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,127
−HK$2,640/mo
Today · 4.125%
HK$88,767
baseline
▲ 0.50% · 4.625%
HK$94,168
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,534/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,925
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,417
−HK$2,529/mo
Today · 4.125%
HK$97,946
baseline
▲ 0.50% · 4.625%
HK$103,109
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,892/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,395
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,735
−HK$3,394/mo
Today · 4.125%
HK$114,129
baseline
▲ 0.50% · 4.625%
HK$121,074
+HK$6,945/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,258/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,475
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,680
−HK$3,250/mo
Today · 4.125%
HK$125,930
baseline
▲ 0.50% · 4.625%
HK$132,568
+HK$6,638/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,860/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,026 · Scale 2, in force from 26 Feb 2026)