LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,447
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,328
−HK$1,910/mo
Today · 4.125%
HK$64,238
baseline
▲ 0.50% · 4.625%
HK$68,147
+HK$3,909/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,476/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,247
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,051
−HK$1,829/mo
Today · 4.125%
HK$70,880
baseline
▲ 0.50% · 4.625%
HK$74,616
+HK$3,736/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,760/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,537
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,793
−HK$2,293/mo
Today · 4.125%
HK$77,086
baseline
▲ 0.50% · 4.625%
HK$81,776
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,172/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,697
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,861
−HK$2,195/mo
Today · 4.125%
HK$85,056
baseline
▲ 0.50% · 4.625%
HK$89,540
+HK$4,484/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,112/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,626
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,259
−HK$2,674/mo
Today · 4.125%
HK$89,933
baseline
▲ 0.50% · 4.625%
HK$95,405
+HK$5,472/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,866/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,146
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,671
−HK$2,561/mo
Today · 4.125%
HK$99,232
baseline
▲ 0.50% · 4.625%
HK$104,463
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,464/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,805
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,190
−HK$3,438/mo
Today · 4.125%
HK$115,628
baseline
▲ 0.50% · 4.625%
HK$122,664
+HK$7,036/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,256/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,045
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,291
−HK$3,294/mo
Today · 4.125%
HK$127,585
baseline
▲ 0.50% · 4.625%
HK$134,310
+HK$6,725/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,170/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,635 · Scale 2, in force from 26 Feb 2026)