LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,822
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,682
−HK$1,891/mo
Today · 4.125%
HK$63,573
baseline
▲ 0.50% · 4.625%
HK$67,441
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,146/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,551
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,336
−HK$1,811/mo
Today · 4.125%
HK$70,147
baseline
▲ 0.50% · 4.625%
HK$73,844
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,294/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,786
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,019
−HK$2,269/mo
Today · 4.125%
HK$76,288
baseline
▲ 0.50% · 4.625%
HK$80,930
+HK$4,642/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,576/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,861
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,003
−HK$2,173/mo
Today · 4.125%
HK$84,176
baseline
▲ 0.50% · 4.625%
HK$88,613
+HK$4,437/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,352/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,750
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,355
−HK$2,647/mo
Today · 4.125%
HK$89,002
baseline
▲ 0.50% · 4.625%
HK$94,418
+HK$5,416/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$178,004/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,114,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,171
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,670
−HK$2,535/mo
Today · 4.125%
HK$98,205
baseline
▲ 0.50% · 4.625%
HK$103,382
+HK$5,177/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,410/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,114,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,679
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,028
−HK$3,403/mo
Today · 4.125%
HK$114,431
baseline
▲ 0.50% · 4.625%
HK$121,394
+HK$6,963/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,862/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,792
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,005
−HK$3,259/mo
Today · 4.125%
HK$126,264
baseline
▲ 0.50% · 4.625%
HK$132,919
+HK$6,655/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,528/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,972 · Scale 2, in force from 26 Feb 2026)