LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,790
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,650
−HK$1,890/mo
Today · 4.125%
HK$63,540
baseline
▲ 0.50% · 4.625%
HK$67,406
+HK$3,866/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,080/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,516
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,300
−HK$1,810/mo
Today · 4.125%
HK$70,110
baseline
▲ 0.50% · 4.625%
HK$73,805
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,220/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,748
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,980
−HK$2,268/mo
Today · 4.125%
HK$76,248
baseline
▲ 0.50% · 4.625%
HK$80,887
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,496/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,819
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,960
−HK$2,172/mo
Today · 4.125%
HK$84,132
baseline
▲ 0.50% · 4.625%
HK$88,566
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,264/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,706
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,310
−HK$2,645/mo
Today · 4.125%
HK$88,955
baseline
▲ 0.50% · 4.625%
HK$94,368
+HK$5,413/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$177,910/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,122
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,620
−HK$2,534/mo
Today · 4.125%
HK$98,154
baseline
▲ 0.50% · 4.625%
HK$103,327
+HK$5,173/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$196,308/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,622
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,970
−HK$3,401/mo
Today · 4.125%
HK$114,371
baseline
▲ 0.50% · 4.625%
HK$121,331
+HK$6,960/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,742/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,729
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,940
−HK$3,257/mo
Today · 4.125%
HK$126,197
baseline
▲ 0.50% · 4.625%
HK$132,849
+HK$6,652/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,394/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,386 · Scale 2, in force from 26 Feb 2026)