LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,924
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,788
−HK$1,894/mo
Today · 4.125%
HK$63,682
baseline
▲ 0.50% · 4.625%
HK$67,557
+HK$3,875/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,364/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,665
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,453
−HK$1,814/mo
Today · 4.125%
HK$70,267
baseline
▲ 0.50% · 4.625%
HK$73,971
+HK$3,704/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,534/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,909
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,146
−HK$2,272/mo
Today · 4.125%
HK$76,418
baseline
▲ 0.50% · 4.625%
HK$81,068
+HK$4,650/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,836/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,998
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,144
−HK$2,176/mo
Today · 4.125%
HK$84,320
baseline
▲ 0.50% · 4.625%
HK$88,765
+HK$4,445/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,640/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,894
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,504
−HK$2,651/mo
Today · 4.125%
HK$89,155
baseline
▲ 0.50% · 4.625%
HK$94,580
+HK$5,425/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$178,310/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,331
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,834
−HK$2,540/mo
Today · 4.125%
HK$98,374
baseline
▲ 0.50% · 4.625%
HK$103,559
+HK$5,185/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$196,748/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,864
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,219
−HK$3,409/mo
Today · 4.125%
HK$114,628
baseline
▲ 0.50% · 4.625%
HK$121,602
+HK$6,974/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,256/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,997
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,215
−HK$3,265/mo
Today · 4.125%
HK$126,480
baseline
▲ 0.50% · 4.625%
HK$133,147
+HK$6,667/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,960/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,884 · Scale 2, in force from 26 Feb 2026)