LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,207
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,080
−HK$1,903/mo
Today · 4.125%
HK$63,983
baseline
▲ 0.50% · 4.625%
HK$67,876
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,966/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,980
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,776
−HK$1,823/mo
Today · 4.125%
HK$70,599
baseline
▲ 0.50% · 4.625%
HK$74,320
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,198/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,249
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,496
−HK$2,283/mo
Today · 4.125%
HK$76,779
baseline
▲ 0.50% · 4.625%
HK$81,451
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,558/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,376
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,532
−HK$2,186/mo
Today · 4.125%
HK$84,718
baseline
▲ 0.50% · 4.625%
HK$89,184
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,436/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,290
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,912
−HK$2,664/mo
Today · 4.125%
HK$89,576
baseline
▲ 0.50% · 4.625%
HK$95,026
+HK$5,450/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,152/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,772
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,287
−HK$2,551/mo
Today · 4.125%
HK$98,838
baseline
▲ 0.50% · 4.625%
HK$104,048
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,676/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,373
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,744
−HK$3,425/mo
Today · 4.125%
HK$115,169
baseline
▲ 0.50% · 4.625%
HK$122,177
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,338/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,564
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,797
−HK$3,281/mo
Today · 4.125%
HK$127,078
baseline
▲ 0.50% · 4.625%
HK$133,776
+HK$6,698/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,156/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,159 · Scale 2, in force from 26 Feb 2026)