LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,522
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,404
−HK$1,913/mo
Today · 4.125%
HK$64,317
baseline
▲ 0.50% · 4.625%
HK$68,231
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,634/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,330
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,136
−HK$1,831/mo
Today · 4.125%
HK$70,967
baseline
▲ 0.50% · 4.625%
HK$74,708
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,934/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,626
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,885
−HK$2,295/mo
Today · 4.125%
HK$77,180
baseline
▲ 0.50% · 4.625%
HK$81,877
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$154,360/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,796
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,963
−HK$2,198/mo
Today · 4.125%
HK$85,161
baseline
▲ 0.50% · 4.625%
HK$89,650
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$170,322/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,730
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,366
−HK$2,678/mo
Today · 4.125%
HK$90,044
baseline
▲ 0.50% · 4.625%
HK$95,523
+HK$5,479/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,088/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,262
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,790
−HK$2,564/mo
Today · 4.125%
HK$99,354
baseline
▲ 0.50% · 4.625%
HK$104,592
+HK$5,238/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,708/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,939
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,328
−HK$3,443/mo
Today · 4.125%
HK$115,771
baseline
▲ 0.50% · 4.625%
HK$122,815
+HK$7,044/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,542/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,194
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,444
−HK$3,297/mo
Today · 4.125%
HK$127,741
baseline
▲ 0.50% · 4.625%
HK$134,475
+HK$6,734/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,482/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,020 · Scale 2, in force from 26 Feb 2026)