LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,595
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,262
−HK$1,694/mo
Today · 4.125%
HK$56,956
baseline
▲ 0.50% · 4.625%
HK$60,422
+HK$3,466/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$113,912/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,624
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,223
−HK$1,622/mo
Today · 4.125%
HK$62,845
baseline
▲ 0.50% · 4.625%
HK$66,158
+HK$3,313/mo
Deposit HK$11.75M · loan HK$11.75M · min. income ≈ HK$125,690/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$998,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,314
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,315
−HK$2,032/mo
Today · 4.125%
HK$68,347
baseline
▲ 0.50% · 4.625%
HK$72,506
+HK$4,159/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$136,694/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,549
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,468
−HK$1,947/mo
Today · 4.125%
HK$75,415
baseline
▲ 0.50% · 4.625%
HK$79,390
+HK$3,975/mo
Deposit HK$9.40M · loan HK$14.10M · min. income ≈ HK$150,830/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$998,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,033
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,367
−HK$2,372/mo
Today · 4.125%
HK$79,739
baseline
▲ 0.50% · 4.625%
HK$84,591
+HK$4,852/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$159,478/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,474
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,713
−HK$2,271/mo
Today · 4.125%
HK$87,984
baseline
▲ 0.50% · 4.625%
HK$92,621
+HK$4,637/mo
Deposit HK$7.05M · loan HK$16.45M · min. income ≈ HK$175,968/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$998,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,471
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,472
−HK$3,049/mo
Today · 4.125%
HK$102,521
baseline
▲ 0.50% · 4.625%
HK$108,759
+HK$6,238/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$205,042/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,324
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,202
−HK$2,920/mo
Today · 4.125%
HK$113,122
baseline
▲ 0.50% · 4.625%
HK$119,085
+HK$5,963/mo
Deposit HK$2.35M · loan HK$21.15M · min. income ≈ HK$226,244/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$998,922 · Scale 2, in force from 26 Feb 2026)