LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,338
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,215
−HK$1,907/mo
Today · 4.125%
HK$64,122
baseline
▲ 0.50% · 4.625%
HK$68,024
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,244/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,126
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,926
−HK$1,827/mo
Today · 4.125%
HK$70,753
baseline
▲ 0.50% · 4.625%
HK$74,482
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,506/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,406
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,658
−HK$2,289/mo
Today · 4.125%
HK$76,947
baseline
▲ 0.50% · 4.625%
HK$81,629
+HK$4,682/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$153,894/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,551
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,711
−HK$2,192/mo
Today · 4.125%
HK$84,903
baseline
▲ 0.50% · 4.625%
HK$89,378
+HK$4,475/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$169,806/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,474
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,101
−HK$2,670/mo
Today · 4.125%
HK$89,771
baseline
▲ 0.50% · 4.625%
HK$95,233
+HK$5,462/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,542/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,976
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,497
−HK$2,557/mo
Today · 4.125%
HK$99,054
baseline
▲ 0.50% · 4.625%
HK$104,275
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,108/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,609
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,988
−HK$3,432/mo
Today · 4.125%
HK$115,420
baseline
▲ 0.50% · 4.625%
HK$122,443
+HK$7,023/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,840/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,827
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,067
−HK$3,288/mo
Today · 4.125%
HK$127,355
baseline
▲ 0.50% · 4.625%
HK$134,068
+HK$6,713/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,710/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,604 · Scale 2, in force from 26 Feb 2026)