LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,679
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,567
−HK$1,918/mo
Today · 4.125%
HK$64,485
baseline
▲ 0.50% · 4.625%
HK$68,408
+HK$3,923/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,970/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,505
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,316
−HK$1,836/mo
Today · 4.125%
HK$71,152
baseline
▲ 0.50% · 4.625%
HK$74,903
+HK$3,751/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,304/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,815
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,080
−HK$2,301/mo
Today · 4.125%
HK$77,381
baseline
▲ 0.50% · 4.625%
HK$82,090
+HK$4,709/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$154,762/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,006
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,179
−HK$2,204/mo
Today · 4.125%
HK$85,383
baseline
▲ 0.50% · 4.625%
HK$89,883
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$170,766/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,951
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,594
−HK$2,684/mo
Today · 4.125%
HK$90,278
baseline
▲ 0.50% · 4.625%
HK$95,772
+HK$5,494/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,556/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,507
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,042
−HK$2,571/mo
Today · 4.125%
HK$99,613
baseline
▲ 0.50% · 4.625%
HK$104,864
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,226/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,223
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,620
−HK$3,452/mo
Today · 4.125%
HK$116,072
baseline
▲ 0.50% · 4.625%
HK$123,135
+HK$7,063/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,144/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,509
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,768
−HK$3,306/mo
Today · 4.125%
HK$128,074
baseline
▲ 0.50% · 4.625%
HK$134,825
+HK$6,751/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,148/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,959 · Scale 2, in force from 26 Feb 2026)