LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,819
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,679
−HK$1,891/mo
Today · 4.125%
HK$63,570
baseline
▲ 0.50% · 4.625%
HK$67,438
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,140/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,548
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,332
−HK$1,811/mo
Today · 4.125%
HK$70,143
baseline
▲ 0.50% · 4.625%
HK$73,840
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,286/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,782
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,015
−HK$2,269/mo
Today · 4.125%
HK$76,284
baseline
▲ 0.50% · 4.625%
HK$80,925
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,568/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,857
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$81,999
−HK$2,173/mo
Today · 4.125%
HK$84,172
baseline
▲ 0.50% · 4.625%
HK$88,608
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,344/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,746
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,351
−HK$2,647/mo
Today · 4.125%
HK$88,998
baseline
▲ 0.50% · 4.625%
HK$94,413
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,996/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,167
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,665
−HK$2,535/mo
Today · 4.125%
HK$98,200
baseline
▲ 0.50% · 4.625%
HK$103,376
+HK$5,176/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,400/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,673
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,023
−HK$3,403/mo
Today · 4.125%
HK$114,426
baseline
▲ 0.50% · 4.625%
HK$121,388
+HK$6,962/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,852/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,786
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,998
−HK$3,259/mo
Today · 4.125%
HK$126,257
baseline
▲ 0.50% · 4.625%
HK$132,912
+HK$6,655/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,514/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,914 · Scale 2, in force from 26 Feb 2026)