LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,913
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,777
−HK$1,893/mo
Today · 4.125%
HK$63,670
baseline
▲ 0.50% · 4.625%
HK$67,544
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,340/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,653
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,440
−HK$1,814/mo
Today · 4.125%
HK$70,254
baseline
▲ 0.50% · 4.625%
HK$73,957
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,508/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,896
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,132
−HK$2,272/mo
Today · 4.125%
HK$76,404
baseline
▲ 0.50% · 4.625%
HK$81,053
+HK$4,649/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,808/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,983
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,128
−HK$2,177/mo
Today · 4.125%
HK$84,305
baseline
▲ 0.50% · 4.625%
HK$88,748
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,610/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,878
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,488
−HK$2,650/mo
Today · 4.125%
HK$89,138
baseline
▲ 0.50% · 4.625%
HK$94,562
+HK$5,424/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,276/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,314
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,817
−HK$2,538/mo
Today · 4.125%
HK$98,355
baseline
▲ 0.50% · 4.625%
HK$103,540
+HK$5,185/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,710/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,844
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,198
−HK$3,408/mo
Today · 4.125%
HK$114,606
baseline
▲ 0.50% · 4.625%
HK$121,580
+HK$6,974/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,212/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,975
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,193
−HK$3,264/mo
Today · 4.125%
HK$126,457
baseline
▲ 0.50% · 4.625%
HK$133,123
+HK$6,666/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,914/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,678 · Scale 2, in force from 26 Feb 2026)