LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,022
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,889
−HK$1,897/mo
Today · 4.125%
HK$63,786
baseline
▲ 0.50% · 4.625%
HK$67,667
+HK$3,881/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,572/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,774
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,565
−HK$1,817/mo
Today · 4.125%
HK$70,382
baseline
▲ 0.50% · 4.625%
HK$74,092
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,764/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,027
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,267
−HK$2,276/mo
Today · 4.125%
HK$76,543
baseline
▲ 0.50% · 4.625%
HK$81,201
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,086/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,129
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,278
−HK$2,180/mo
Today · 4.125%
HK$84,458
baseline
▲ 0.50% · 4.625%
HK$88,910
+HK$4,452/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,916/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,031
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,645
−HK$2,655/mo
Today · 4.125%
HK$89,300
baseline
▲ 0.50% · 4.625%
HK$94,734
+HK$5,434/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,600/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,484
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,991
−HK$2,543/mo
Today · 4.125%
HK$98,534
baseline
▲ 0.50% · 4.625%
HK$103,728
+HK$5,194/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,068/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,040
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,400
−HK$3,415/mo
Today · 4.125%
HK$114,815
baseline
▲ 0.50% · 4.625%
HK$121,801
+HK$6,986/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,630/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,193
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,417
−HK$3,270/mo
Today · 4.125%
HK$126,687
baseline
▲ 0.50% · 4.625%
HK$133,365
+HK$6,678/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,374/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,708 · Scale 2, in force from 26 Feb 2026)