LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,128
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,936
−HK$1,837/mo
Today · 4.125%
HK$61,773
baseline
▲ 0.50% · 4.625%
HK$65,532
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,546/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,667
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,401
−HK$1,760/mo
Today · 4.125%
HK$68,161
baseline
▲ 0.50% · 4.625%
HK$71,753
+HK$3,592/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,322/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,754
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,923
−HK$2,205/mo
Today · 4.125%
HK$74,128
baseline
▲ 0.50% · 4.625%
HK$78,638
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,256/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,600
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,681
−HK$2,112/mo
Today · 4.125%
HK$81,793
baseline
▲ 0.50% · 4.625%
HK$86,104
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,586/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,379
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,911
−HK$2,571/mo
Today · 4.125%
HK$86,482
baseline
▲ 0.50% · 4.625%
HK$91,745
+HK$5,263/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,964/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,534
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,962
−HK$2,463/mo
Today · 4.125%
HK$95,425
baseline
▲ 0.50% · 4.625%
HK$100,455
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,850/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,630
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,885
−HK$3,307/mo
Today · 4.125%
HK$111,192
baseline
▲ 0.50% · 4.625%
HK$117,957
+HK$6,765/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,384/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,400
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,522
−HK$3,167/mo
Today · 4.125%
HK$122,689
baseline
▲ 0.50% · 4.625%
HK$129,156
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,378/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,406 · Scale 2, in force from 26 Feb 2026)