LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,940
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,836
−HK$1,926/mo
Today · 4.125%
HK$64,762
baseline
▲ 0.50% · 4.625%
HK$68,702
+HK$3,940/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$129,524/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,795
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,614
−HK$1,844/mo
Today · 4.125%
HK$71,458
baseline
▲ 0.50% · 4.625%
HK$75,225
+HK$3,767/mo
Deposit HK$13.36M · loan HK$13.36M · min. income ≈ HK$142,916/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,135,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,128
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,403
−HK$2,311/mo
Today · 4.125%
HK$77,714
baseline
▲ 0.50% · 4.625%
HK$82,443
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,428/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,354
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,536
−HK$2,214/mo
Today · 4.125%
HK$85,750
baseline
▲ 0.50% · 4.625%
HK$90,270
+HK$4,520/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,500/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,135,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,316
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$87,970
−HK$2,696/mo
Today · 4.125%
HK$90,666
baseline
▲ 0.50% · 4.625%
HK$96,183
+HK$5,517/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,332/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,914
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,459
−HK$2,582/mo
Today · 4.125%
HK$100,041
baseline
▲ 0.50% · 4.625%
HK$105,315
+HK$5,274/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,082/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$1,135,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,692
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,105
−HK$3,466/mo
Today · 4.125%
HK$116,571
baseline
▲ 0.50% · 4.625%
HK$123,664
+HK$7,093/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$233,142/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,032
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,305
−HK$3,320/mo
Today · 4.125%
HK$128,625
baseline
▲ 0.50% · 4.625%
HK$135,405
+HK$6,780/mo
Deposit HK$2.67M · loan HK$24.05M · min. income ≈ HK$257,250/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,135,820 · Scale 2, in force from 26 Feb 2026)