LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,094
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,964
−HK$1,899/mo
Today · 4.125%
HK$63,863
baseline
▲ 0.50% · 4.625%
HK$67,749
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,726/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,854
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,647
−HK$1,819/mo
Today · 4.125%
HK$70,466
baseline
▲ 0.50% · 4.625%
HK$74,181
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,932/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,113
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,356
−HK$2,279/mo
Today · 4.125%
HK$76,635
baseline
▲ 0.50% · 4.625%
HK$81,298
+HK$4,663/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,270/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,225
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,377
−HK$2,182/mo
Today · 4.125%
HK$84,559
baseline
▲ 0.50% · 4.625%
HK$89,017
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,118/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,132
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,749
−HK$2,659/mo
Today · 4.125%
HK$89,408
baseline
▲ 0.50% · 4.625%
HK$94,848
+HK$5,440/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,816/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,596
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,106
−HK$2,547/mo
Today · 4.125%
HK$98,653
baseline
▲ 0.50% · 4.625%
HK$103,853
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,306/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,170
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,534
−HK$3,419/mo
Today · 4.125%
HK$114,953
baseline
▲ 0.50% · 4.625%
HK$121,947
+HK$6,994/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,906/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,338
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,565
−HK$3,274/mo
Today · 4.125%
HK$126,839
baseline
▲ 0.50% · 4.625%
HK$133,525
+HK$6,686/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,678/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,052 · Scale 2, in force from 26 Feb 2026)