LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,268
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,143
−HK$1,905/mo
Today · 4.125%
HK$64,048
baseline
▲ 0.50% · 4.625%
HK$67,945
+HK$3,897/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,096/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,048
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,846
−HK$1,824/mo
Today · 4.125%
HK$70,670
baseline
▲ 0.50% · 4.625%
HK$74,395
+HK$3,725/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,340/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,322
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,572
−HK$2,285/mo
Today · 4.125%
HK$76,857
baseline
▲ 0.50% · 4.625%
HK$81,534
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,714/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,458
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,615
−HK$2,189/mo
Today · 4.125%
HK$84,804
baseline
▲ 0.50% · 4.625%
HK$89,275
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,608/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,376
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,000
−HK$2,667/mo
Today · 4.125%
HK$89,667
baseline
▲ 0.50% · 4.625%
HK$95,123
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,334/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,867
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,385
−HK$2,553/mo
Today · 4.125%
HK$98,938
baseline
▲ 0.50% · 4.625%
HK$104,154
+HK$5,216/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,876/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,483
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,857
−HK$3,429/mo
Today · 4.125%
HK$115,286
baseline
▲ 0.50% · 4.625%
HK$122,301
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,572/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,686
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,923
−HK$3,284/mo
Today · 4.125%
HK$127,207
baseline
▲ 0.50% · 4.625%
HK$133,912
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,414/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,297 · Scale 2, in force from 26 Feb 2026)