LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,133
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,941
−HK$1,838/mo
Today · 4.125%
HK$61,779
baseline
▲ 0.50% · 4.625%
HK$65,538
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,558/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,673
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,407
−HK$1,760/mo
Today · 4.125%
HK$68,167
baseline
▲ 0.50% · 4.625%
HK$71,760
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,334/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,760
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,930
−HK$2,204/mo
Today · 4.125%
HK$74,134
baseline
▲ 0.50% · 4.625%
HK$78,645
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,268/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,607
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,688
−HK$2,112/mo
Today · 4.125%
HK$81,800
baseline
▲ 0.50% · 4.625%
HK$86,112
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,600/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,386
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,918
−HK$2,572/mo
Today · 4.125%
HK$86,490
baseline
▲ 0.50% · 4.625%
HK$91,753
+HK$5,263/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$172,980/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,542
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,970
−HK$2,463/mo
Today · 4.125%
HK$95,433
baseline
▲ 0.50% · 4.625%
HK$100,464
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,866/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,640
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,895
−HK$3,307/mo
Today · 4.125%
HK$111,202
baseline
▲ 0.50% · 4.625%
HK$117,968
+HK$6,766/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$222,404/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,411
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,533
−HK$3,167/mo
Today · 4.125%
HK$122,700
baseline
▲ 0.50% · 4.625%
HK$129,168
+HK$6,468/mo
Deposit HK$2.55M · loan HK$22.94M · min. income ≈ HK$245,400/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,502 · Scale 2, in force from 26 Feb 2026)