LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,365
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,243
−HK$1,908/mo
Today · 4.125%
HK$64,151
baseline
▲ 0.50% · 4.625%
HK$68,054
+HK$3,903/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,302/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,156
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,957
−HK$1,827/mo
Today · 4.125%
HK$70,784
baseline
▲ 0.50% · 4.625%
HK$74,515
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,568/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,438
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,691
−HK$2,290/mo
Today · 4.125%
HK$76,981
baseline
▲ 0.50% · 4.625%
HK$81,665
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,962/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,587
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,748
−HK$2,193/mo
Today · 4.125%
HK$84,941
baseline
▲ 0.50% · 4.625%
HK$89,418
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,882/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,511
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,140
−HK$2,671/mo
Today · 4.125%
HK$89,811
baseline
▲ 0.50% · 4.625%
HK$95,276
+HK$5,465/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,622/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,018
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,539
−HK$2,558/mo
Today · 4.125%
HK$99,097
baseline
▲ 0.50% · 4.625%
HK$104,321
+HK$5,224/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,194/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,657
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,037
−HK$3,434/mo
Today · 4.125%
HK$115,471
baseline
▲ 0.50% · 4.625%
HK$122,497
+HK$7,026/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,942/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,880
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,122
−HK$3,289/mo
Today · 4.125%
HK$127,411
baseline
▲ 0.50% · 4.625%
HK$134,127
+HK$6,716/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,822/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,102 · Scale 2, in force from 26 Feb 2026)