LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,946
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,811
−HK$1,894/mo
Today · 4.125%
HK$63,705
baseline
▲ 0.50% · 4.625%
HK$67,581
+HK$3,876/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,410/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,689
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,478
−HK$1,814/mo
Today · 4.125%
HK$70,292
baseline
▲ 0.50% · 4.625%
HK$73,997
+HK$3,705/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,584/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,935
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,173
−HK$2,273/mo
Today · 4.125%
HK$76,446
baseline
▲ 0.50% · 4.625%
HK$81,098
+HK$4,652/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$152,892/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,027
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,173
−HK$2,178/mo
Today · 4.125%
HK$84,351
baseline
▲ 0.50% · 4.625%
HK$88,797
+HK$4,446/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$168,702/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,924
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,535
−HK$2,652/mo
Today · 4.125%
HK$89,187
baseline
▲ 0.50% · 4.625%
HK$94,614
+HK$5,427/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,374/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,365
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,869
−HK$2,540/mo
Today · 4.125%
HK$98,409
baseline
▲ 0.50% · 4.625%
HK$103,596
+HK$5,187/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,818/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,903
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,259
−HK$3,410/mo
Today · 4.125%
HK$114,669
baseline
▲ 0.50% · 4.625%
HK$121,646
+HK$6,977/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,338/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,041
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,260
−HK$3,266/mo
Today · 4.125%
HK$126,526
baseline
▲ 0.50% · 4.625%
HK$133,195
+HK$6,669/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,052/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,288 · Scale 2, in force from 26 Feb 2026)