LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,815
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,675
−HK$1,891/mo
Today · 4.125%
HK$63,566
baseline
▲ 0.50% · 4.625%
HK$67,433
+HK$3,867/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,132/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,543
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,328
−HK$1,810/mo
Today · 4.125%
HK$70,138
baseline
▲ 0.50% · 4.625%
HK$73,835
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,276/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,778
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,010
−HK$2,269/mo
Today · 4.125%
HK$76,279
baseline
▲ 0.50% · 4.625%
HK$80,920
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,558/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,852
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,993
−HK$2,173/mo
Today · 4.125%
HK$84,166
baseline
▲ 0.50% · 4.625%
HK$88,603
+HK$4,437/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,332/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,741
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,345
−HK$2,647/mo
Today · 4.125%
HK$88,992
baseline
▲ 0.50% · 4.625%
HK$94,407
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,984/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,161
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,659
−HK$2,535/mo
Today · 4.125%
HK$98,194
baseline
▲ 0.50% · 4.625%
HK$103,370
+HK$5,176/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,388/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,666
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,015
−HK$3,403/mo
Today · 4.125%
HK$114,418
baseline
▲ 0.50% · 4.625%
HK$121,380
+HK$6,962/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,836/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,778
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,990
−HK$3,259/mo
Today · 4.125%
HK$126,249
baseline
▲ 0.50% · 4.625%
HK$132,904
+HK$6,655/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,498/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,842 · Scale 2, in force from 26 Feb 2026)