LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,778
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,638
−HK$1,889/mo
Today · 4.125%
HK$63,527
baseline
▲ 0.50% · 4.625%
HK$67,393
+HK$3,866/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,054/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,503
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,286
−HK$1,810/mo
Today · 4.125%
HK$70,096
baseline
▲ 0.50% · 4.625%
HK$73,791
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,192/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,734
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,965
−HK$2,267/mo
Today · 4.125%
HK$76,232
baseline
▲ 0.50% · 4.625%
HK$80,871
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,464/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,803
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,944
−HK$2,171/mo
Today · 4.125%
HK$84,115
baseline
▲ 0.50% · 4.625%
HK$88,549
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,230/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,690
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,293
−HK$2,645/mo
Today · 4.125%
HK$88,938
baseline
▲ 0.50% · 4.625%
HK$94,350
+HK$5,412/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,876/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,104
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,601
−HK$2,533/mo
Today · 4.125%
HK$98,134
baseline
▲ 0.50% · 4.625%
HK$103,307
+HK$5,173/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,268/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,601
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,948
−HK$3,401/mo
Today · 4.125%
HK$114,349
baseline
▲ 0.50% · 4.625%
HK$121,307
+HK$6,958/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,698/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,705
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,916
−HK$3,257/mo
Today · 4.125%
HK$126,173
baseline
▲ 0.50% · 4.625%
HK$132,823
+HK$6,650/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,346/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,166 · Scale 2, in force from 26 Feb 2026)