LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,127
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,935
−HK$1,837/mo
Today · 4.125%
HK$61,772
baseline
▲ 0.50% · 4.625%
HK$65,531
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,544/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,666
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,400
−HK$1,759/mo
Today · 4.125%
HK$68,159
baseline
▲ 0.50% · 4.625%
HK$71,752
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,318/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,752
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,922
−HK$2,204/mo
Today · 4.125%
HK$74,126
baseline
▲ 0.50% · 4.625%
HK$78,637
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$148,252/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,599
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,680
−HK$2,111/mo
Today · 4.125%
HK$81,791
baseline
▲ 0.50% · 4.625%
HK$86,103
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.29M · min. income ≈ HK$163,582/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,378
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,909
−HK$2,572/mo
Today · 4.125%
HK$86,481
baseline
▲ 0.50% · 4.625%
HK$91,743
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,962/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,532
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,960
−HK$2,463/mo
Today · 4.125%
HK$95,423
baseline
▲ 0.50% · 4.625%
HK$100,453
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,846/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,628
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,883
−HK$3,307/mo
Today · 4.125%
HK$111,190
baseline
▲ 0.50% · 4.625%
HK$117,955
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,380/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,398
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,520
−HK$3,167/mo
Today · 4.125%
HK$122,687
baseline
▲ 0.50% · 4.625%
HK$129,154
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,374/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,385 · Scale 2, in force from 26 Feb 2026)