LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,905
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,768
−HK$1,894/mo
Today · 4.125%
HK$63,662
baseline
▲ 0.50% · 4.625%
HK$67,535
+HK$3,873/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,324/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,644
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,431
−HK$1,813/mo
Today · 4.125%
HK$70,244
baseline
▲ 0.50% · 4.625%
HK$73,947
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,488/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,886
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,122
−HK$2,272/mo
Today · 4.125%
HK$76,394
baseline
▲ 0.50% · 4.625%
HK$81,042
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,788/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,972
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,117
−HK$2,176/mo
Today · 4.125%
HK$84,293
baseline
▲ 0.50% · 4.625%
HK$88,736
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,586/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,867
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,476
−HK$2,650/mo
Today · 4.125%
HK$89,126
baseline
▲ 0.50% · 4.625%
HK$94,549
+HK$5,423/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,252/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,301
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,804
−HK$2,538/mo
Today · 4.125%
HK$98,342
baseline
▲ 0.50% · 4.625%
HK$103,526
+HK$5,184/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,684/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,829
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,183
−HK$3,408/mo
Today · 4.125%
HK$114,591
baseline
▲ 0.50% · 4.625%
HK$121,563
+HK$6,972/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,182/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,959
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,176
−HK$3,264/mo
Today · 4.125%
HK$126,440
baseline
▲ 0.50% · 4.625%
HK$133,105
+HK$6,665/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,880/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,526 · Scale 2, in force from 26 Feb 2026)