LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,132
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,940
−HK$1,837/mo
Today · 4.125%
HK$61,777
baseline
▲ 0.50% · 4.625%
HK$65,536
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,554/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,671
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,406
−HK$1,759/mo
Today · 4.125%
HK$68,165
baseline
▲ 0.50% · 4.625%
HK$71,758
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,330/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,758
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,928
−HK$2,205/mo
Today · 4.125%
HK$74,133
baseline
▲ 0.50% · 4.625%
HK$78,644
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,266/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,606
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,687
−HK$2,111/mo
Today · 4.125%
HK$81,798
baseline
▲ 0.50% · 4.625%
HK$86,110
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,596/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,385
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,916
−HK$2,572/mo
Today · 4.125%
HK$86,488
baseline
▲ 0.50% · 4.625%
HK$91,751
+HK$5,263/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$172,976/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,540
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,968
−HK$2,463/mo
Today · 4.125%
HK$95,431
baseline
▲ 0.50% · 4.625%
HK$100,462
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,862/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,638
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,893
−HK$3,306/mo
Today · 4.125%
HK$111,199
baseline
▲ 0.50% · 4.625%
HK$117,966
+HK$6,767/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,398/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,408
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,530
−HK$3,168/mo
Today · 4.125%
HK$122,698
baseline
▲ 0.50% · 4.625%
HK$129,165
+HK$6,467/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,396/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,481 · Scale 2, in force from 26 Feb 2026)