LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,453
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,334
−HK$1,910/mo
Today · 4.125%
HK$64,244
baseline
▲ 0.50% · 4.625%
HK$68,153
+HK$3,909/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,488/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,254
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,057
−HK$1,830/mo
Today · 4.125%
HK$70,887
baseline
▲ 0.50% · 4.625%
HK$74,624
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,774/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,544
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,800
−HK$2,293/mo
Today · 4.125%
HK$77,093
baseline
▲ 0.50% · 4.625%
HK$81,784
+HK$4,691/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,186/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,704
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,869
−HK$2,196/mo
Today · 4.125%
HK$85,065
baseline
▲ 0.50% · 4.625%
HK$89,548
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,130/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,635
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,267
−HK$2,675/mo
Today · 4.125%
HK$89,942
baseline
▲ 0.50% · 4.625%
HK$95,415
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,884/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,155
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,680
−HK$2,562/mo
Today · 4.125%
HK$99,242
baseline
▲ 0.50% · 4.625%
HK$104,473
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,484/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,816
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,201
−HK$3,439/mo
Today · 4.125%
HK$115,640
baseline
▲ 0.50% · 4.625%
HK$122,676
+HK$7,036/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,280/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,057
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,303
−HK$3,294/mo
Today · 4.125%
HK$127,597
baseline
▲ 0.50% · 4.625%
HK$134,323
+HK$6,726/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,194/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,744 · Scale 2, in force from 26 Feb 2026)