LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,136
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,944
−HK$1,837/mo
Today · 4.125%
HK$61,781
baseline
▲ 0.50% · 4.625%
HK$65,541
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,562/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,675
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,410
−HK$1,760/mo
Today · 4.125%
HK$68,170
baseline
▲ 0.50% · 4.625%
HK$71,763
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,340/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,763
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,933
−HK$2,205/mo
Today · 4.125%
HK$74,138
baseline
▲ 0.50% · 4.625%
HK$78,649
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,276/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,610
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,692
−HK$2,112/mo
Today · 4.125%
HK$81,804
baseline
▲ 0.50% · 4.625%
HK$86,116
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,608/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,390
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,922
−HK$2,572/mo
Today · 4.125%
HK$86,494
baseline
▲ 0.50% · 4.625%
HK$91,757
+HK$5,263/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$172,988/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,546
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,974
−HK$2,463/mo
Today · 4.125%
HK$95,437
baseline
▲ 0.50% · 4.625%
HK$100,468
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,874/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,644
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,899
−HK$3,307/mo
Today · 4.125%
HK$111,206
baseline
▲ 0.50% · 4.625%
HK$117,973
+HK$6,767/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,412/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,416
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,538
−HK$3,167/mo
Today · 4.125%
HK$122,705
baseline
▲ 0.50% · 4.625%
HK$129,173
+HK$6,468/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,410/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,549 · Scale 2, in force from 26 Feb 2026)