LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,023
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,890
−HK$1,897/mo
Today · 4.125%
HK$63,787
baseline
▲ 0.50% · 4.625%
HK$67,669
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,574/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,775
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,566
−HK$1,817/mo
Today · 4.125%
HK$70,383
baseline
▲ 0.50% · 4.625%
HK$74,093
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,766/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,028
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,269
−HK$2,276/mo
Today · 4.125%
HK$76,545
baseline
▲ 0.50% · 4.625%
HK$81,202
+HK$4,657/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,090/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,131
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,280
−HK$2,180/mo
Today · 4.125%
HK$84,460
baseline
▲ 0.50% · 4.625%
HK$88,912
+HK$4,452/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,920/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,033
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,647
−HK$2,655/mo
Today · 4.125%
HK$89,302
baseline
▲ 0.50% · 4.625%
HK$94,736
+HK$5,434/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,604/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,486
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,993
−HK$2,543/mo
Today · 4.125%
HK$98,536
baseline
▲ 0.50% · 4.625%
HK$103,730
+HK$5,194/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,072/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,042
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,403
−HK$3,414/mo
Today · 4.125%
HK$114,817
baseline
▲ 0.50% · 4.625%
HK$121,804
+HK$6,987/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,634/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,196
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,419
−HK$3,271/mo
Today · 4.125%
HK$126,690
baseline
▲ 0.50% · 4.625%
HK$133,368
+HK$6,678/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,380/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,732 · Scale 2, in force from 26 Feb 2026)