LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,861
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,723
−HK$1,892/mo
Today · 4.125%
HK$63,615
baseline
▲ 0.50% · 4.625%
HK$67,486
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,230/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,595
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,381
−HK$1,812/mo
Today · 4.125%
HK$70,193
baseline
▲ 0.50% · 4.625%
HK$73,893
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,386/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,833
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,068
−HK$2,270/mo
Today · 4.125%
HK$76,338
baseline
▲ 0.50% · 4.625%
HK$80,983
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,676/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,914
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,057
−HK$2,174/mo
Today · 4.125%
HK$84,231
baseline
▲ 0.50% · 4.625%
HK$88,671
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,462/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,806
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,413
−HK$2,648/mo
Today · 4.125%
HK$89,061
baseline
▲ 0.50% · 4.625%
HK$94,480
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,122/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,233
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,733
−HK$2,537/mo
Today · 4.125%
HK$98,270
baseline
▲ 0.50% · 4.625%
HK$103,450
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,540/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,750
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,102
−HK$3,405/mo
Today · 4.125%
HK$114,507
baseline
▲ 0.50% · 4.625%
HK$121,475
+HK$6,968/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,014/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,871
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,086
−HK$3,261/mo
Today · 4.125%
HK$126,347
baseline
▲ 0.50% · 4.625%
HK$133,007
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,694/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,709 · Scale 2, in force from 26 Feb 2026)