LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,426
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,306
−HK$1,909/mo
Today · 4.125%
HK$64,215
baseline
▲ 0.50% · 4.625%
HK$68,123
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,430/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,223
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,026
−HK$1,829/mo
Today · 4.125%
HK$70,855
baseline
▲ 0.50% · 4.625%
HK$74,590
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,710/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,511
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,767
−HK$2,291/mo
Today · 4.125%
HK$77,058
baseline
▲ 0.50% · 4.625%
HK$81,747
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,116/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,668
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,831
−HK$2,195/mo
Today · 4.125%
HK$85,026
baseline
▲ 0.50% · 4.625%
HK$89,508
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,052/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,596
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,228
−HK$2,673/mo
Today · 4.125%
HK$89,901
baseline
▲ 0.50% · 4.625%
HK$95,372
+HK$5,471/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,802/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,113
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,637
−HK$2,560/mo
Today · 4.125%
HK$99,197
baseline
▲ 0.50% · 4.625%
HK$104,426
+HK$5,229/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,394/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,767
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,150
−HK$3,437/mo
Today · 4.125%
HK$115,587
baseline
▲ 0.50% · 4.625%
HK$122,621
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,174/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,002
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,247
−HK$3,292/mo
Today · 4.125%
HK$127,539
baseline
▲ 0.50% · 4.625%
HK$134,262
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,078/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,235 · Scale 2, in force from 26 Feb 2026)