LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,734
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,592
−HK$1,887/mo
Today · 4.125%
HK$63,479
baseline
▲ 0.50% · 4.625%
HK$67,342
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,958/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,453
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,235
−HK$1,808/mo
Today · 4.125%
HK$70,043
baseline
▲ 0.50% · 4.625%
HK$73,735
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,086/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,680
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,910
−HK$2,265/mo
Today · 4.125%
HK$76,175
baseline
▲ 0.50% · 4.625%
HK$80,810
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,350/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,744
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,882
−HK$2,170/mo
Today · 4.125%
HK$84,052
baseline
▲ 0.50% · 4.625%
HK$88,482
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,104/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,627
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,228
−HK$2,643/mo
Today · 4.125%
HK$88,871
baseline
▲ 0.50% · 4.625%
HK$94,279
+HK$5,408/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,742/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,034
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,529
−HK$2,532/mo
Today · 4.125%
HK$98,061
baseline
▲ 0.50% · 4.625%
HK$103,229
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,122/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,520
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,865
−HK$3,398/mo
Today · 4.125%
HK$114,263
baseline
▲ 0.50% · 4.625%
HK$121,216
+HK$6,953/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,526/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,615
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,823
−HK$3,255/mo
Today · 4.125%
HK$126,078
baseline
▲ 0.50% · 4.625%
HK$132,724
+HK$6,646/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,156/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,330 · Scale 2, in force from 26 Feb 2026)