LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,331
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,208
−HK$1,907/mo
Today · 4.125%
HK$64,115
baseline
▲ 0.50% · 4.625%
HK$68,016
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,230/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,118
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,918
−HK$1,826/mo
Today · 4.125%
HK$70,744
baseline
▲ 0.50% · 4.625%
HK$74,473
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,488/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,398
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,649
−HK$2,288/mo
Today · 4.125%
HK$76,937
baseline
▲ 0.50% · 4.625%
HK$81,619
+HK$4,682/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,874/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,542
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,702
−HK$2,191/mo
Today · 4.125%
HK$84,893
baseline
▲ 0.50% · 4.625%
HK$89,368
+HK$4,475/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,786/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,464
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,091
−HK$2,669/mo
Today · 4.125%
HK$89,760
baseline
▲ 0.50% · 4.625%
HK$95,222
+HK$5,462/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,520/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,965
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,485
−HK$2,557/mo
Today · 4.125%
HK$99,042
baseline
▲ 0.50% · 4.625%
HK$104,262
+HK$5,220/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,084/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,596
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,974
−HK$3,432/mo
Today · 4.125%
HK$115,406
baseline
▲ 0.50% · 4.625%
HK$122,428
+HK$7,022/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,812/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,812
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,052
−HK$3,287/mo
Today · 4.125%
HK$127,339
baseline
▲ 0.50% · 4.625%
HK$134,052
+HK$6,713/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,678/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,470 · Scale 2, in force from 26 Feb 2026)