LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,129
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,937
−HK$1,837/mo
Today · 4.125%
HK$61,774
baseline
▲ 0.50% · 4.625%
HK$65,533
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,548/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,668
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,402
−HK$1,760/mo
Today · 4.125%
HK$68,162
baseline
▲ 0.50% · 4.625%
HK$71,754
+HK$3,592/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,324/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,755
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,924
−HK$2,205/mo
Today · 4.125%
HK$74,129
baseline
▲ 0.50% · 4.625%
HK$78,639
+HK$4,510/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,258/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,601
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,683
−HK$2,111/mo
Today · 4.125%
HK$81,794
baseline
▲ 0.50% · 4.625%
HK$86,105
+HK$4,311/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,588/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,380
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,912
−HK$2,572/mo
Today · 4.125%
HK$86,484
baseline
▲ 0.50% · 4.625%
HK$91,746
+HK$5,262/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,968/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,535
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,963
−HK$2,463/mo
Today · 4.125%
HK$95,426
baseline
▲ 0.50% · 4.625%
HK$100,456
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,852/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,632
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,887
−HK$3,306/mo
Today · 4.125%
HK$111,193
baseline
▲ 0.50% · 4.625%
HK$117,959
+HK$6,766/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,386/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,402
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,524
−HK$3,167/mo
Today · 4.125%
HK$122,691
baseline
▲ 0.50% · 4.625%
HK$129,158
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,382/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,421 · Scale 2, in force from 26 Feb 2026)