LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,741
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,600
−HK$1,888/mo
Today · 4.125%
HK$63,488
baseline
▲ 0.50% · 4.625%
HK$67,351
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,976/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,462
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,244
−HK$1,808/mo
Today · 4.125%
HK$70,052
baseline
▲ 0.50% · 4.625%
HK$73,745
+HK$3,693/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,104/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,690
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,920
−HK$2,265/mo
Today · 4.125%
HK$76,185
baseline
▲ 0.50% · 4.625%
HK$80,821
+HK$4,636/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,370/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,754
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,893
−HK$2,170/mo
Today · 4.125%
HK$84,063
baseline
▲ 0.50% · 4.625%
HK$88,494
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,126/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,638
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,239
−HK$2,644/mo
Today · 4.125%
HK$88,883
baseline
▲ 0.50% · 4.625%
HK$94,291
+HK$5,408/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,766/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,046
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,542
−HK$2,531/mo
Today · 4.125%
HK$98,073
baseline
▲ 0.50% · 4.625%
HK$103,243
+HK$5,170/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,146/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,534
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,879
−HK$3,399/mo
Today · 4.125%
HK$114,278
baseline
▲ 0.50% · 4.625%
HK$121,231
+HK$6,953/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,556/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,631
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,839
−HK$3,255/mo
Today · 4.125%
HK$126,094
baseline
▲ 0.50% · 4.625%
HK$132,741
+HK$6,647/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,188/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,475 · Scale 2, in force from 26 Feb 2026)