LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,324
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,200
−HK$1,907/mo
Today · 4.125%
HK$64,107
baseline
▲ 0.50% · 4.625%
HK$68,008
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,214/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,110
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,910
−HK$1,826/mo
Today · 4.125%
HK$70,736
baseline
▲ 0.50% · 4.625%
HK$74,464
+HK$3,728/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,472/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,389
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,641
−HK$2,287/mo
Today · 4.125%
HK$76,928
baseline
▲ 0.50% · 4.625%
HK$81,609
+HK$4,681/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,856/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,532
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,692
−HK$2,191/mo
Today · 4.125%
HK$84,883
baseline
▲ 0.50% · 4.625%
HK$89,357
+HK$4,474/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,766/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,454
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,081
−HK$2,669/mo
Today · 4.125%
HK$89,750
baseline
▲ 0.50% · 4.625%
HK$95,211
+HK$5,461/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,500/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,954
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,474
−HK$2,556/mo
Today · 4.125%
HK$99,030
baseline
▲ 0.50% · 4.625%
HK$104,250
+HK$5,220/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,060/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,583
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$111,961
−HK$3,431/mo
Today · 4.125%
HK$115,392
baseline
▲ 0.50% · 4.625%
HK$122,414
+HK$7,022/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,784/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,798
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$124,037
−HK$3,287/mo
Today · 4.125%
HK$127,324
baseline
▲ 0.50% · 4.625%
HK$134,036
+HK$6,712/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,648/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,335 · Scale 2, in force from 26 Feb 2026)