LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,130
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,938
−HK$1,837/mo
Today · 4.125%
HK$61,775
baseline
▲ 0.50% · 4.625%
HK$65,534
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,550/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,669
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,403
−HK$1,760/mo
Today · 4.125%
HK$68,163
baseline
▲ 0.50% · 4.625%
HK$71,756
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,326/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,756
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,926
−HK$2,204/mo
Today · 4.125%
HK$74,130
baseline
▲ 0.50% · 4.625%
HK$78,641
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,260/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,603
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,684
−HK$2,111/mo
Today · 4.125%
HK$81,795
baseline
▲ 0.50% · 4.625%
HK$86,107
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,590/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,382
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,913
−HK$2,572/mo
Today · 4.125%
HK$86,485
baseline
▲ 0.50% · 4.625%
HK$91,748
+HK$5,263/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$172,970/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,537
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,965
−HK$2,463/mo
Today · 4.125%
HK$95,428
baseline
▲ 0.50% · 4.625%
HK$100,458
+HK$5,030/mo
Deposit HK$7.65M · loan HK$17.84M · min. income ≈ HK$190,856/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,634
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,889
−HK$3,306/mo
Today · 4.125%
HK$111,195
baseline
▲ 0.50% · 4.625%
HK$117,961
+HK$6,766/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,390/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,404
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,526
−HK$3,167/mo
Today · 4.125%
HK$122,693
baseline
▲ 0.50% · 4.625%
HK$129,161
+HK$6,468/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,386/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,442 · Scale 2, in force from 26 Feb 2026)