LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,972
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,837
−HK$1,895/mo
Today · 4.125%
HK$63,732
baseline
▲ 0.50% · 4.625%
HK$67,610
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,464/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,718
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,507
−HK$1,815/mo
Today · 4.125%
HK$70,322
baseline
▲ 0.50% · 4.625%
HK$74,029
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,644/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,966
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,204
−HK$2,275/mo
Today · 4.125%
HK$76,479
baseline
▲ 0.50% · 4.625%
HK$81,132
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,958/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,061
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,208
−HK$2,179/mo
Today · 4.125%
HK$84,387
baseline
▲ 0.50% · 4.625%
HK$88,835
+HK$4,448/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,774/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,960
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,572
−HK$2,653/mo
Today · 4.125%
HK$89,225
baseline
▲ 0.50% · 4.625%
HK$94,654
+HK$5,429/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,450/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,405
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,910
−HK$2,541/mo
Today · 4.125%
HK$98,451
baseline
▲ 0.50% · 4.625%
HK$103,641
+HK$5,190/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,902/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,949
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,307
−HK$3,411/mo
Today · 4.125%
HK$114,718
baseline
▲ 0.50% · 4.625%
HK$121,698
+HK$6,980/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,436/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,092
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,313
−HK$3,267/mo
Today · 4.125%
HK$126,580
baseline
▲ 0.50% · 4.625%
HK$133,252
+HK$6,672/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,160/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,765 · Scale 2, in force from 26 Feb 2026)