LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,846
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,708
−HK$1,891/mo
Today · 4.125%
HK$63,599
baseline
▲ 0.50% · 4.625%
HK$67,469
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,198/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,578
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,364
−HK$1,811/mo
Today · 4.125%
HK$70,175
baseline
▲ 0.50% · 4.625%
HK$73,874
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,350/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,815
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,049
−HK$2,270/mo
Today · 4.125%
HK$76,319
baseline
▲ 0.50% · 4.625%
HK$80,963
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,638/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,894
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,037
−HK$2,173/mo
Today · 4.125%
HK$84,210
baseline
▲ 0.50% · 4.625%
HK$88,649
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,420/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,785
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,391
−HK$2,648/mo
Today · 4.125%
HK$89,039
baseline
▲ 0.50% · 4.625%
HK$94,456
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,078/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,210
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,709
−HK$2,536/mo
Today · 4.125%
HK$98,245
baseline
▲ 0.50% · 4.625%
HK$103,424
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,490/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,723
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,074
−HK$3,404/mo
Today · 4.125%
HK$114,478
baseline
▲ 0.50% · 4.625%
HK$121,444
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,956/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,841
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,055
−HK$3,261/mo
Today · 4.125%
HK$126,316
baseline
▲ 0.50% · 4.625%
HK$132,974
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,632/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,429 · Scale 2, in force from 26 Feb 2026)