LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,139
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,948
−HK$1,837/mo
Today · 4.125%
HK$61,785
baseline
▲ 0.50% · 4.625%
HK$65,544
+HK$3,759/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,570/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,679
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,414
−HK$1,760/mo
Today · 4.125%
HK$68,174
baseline
▲ 0.50% · 4.625%
HK$71,767
+HK$3,593/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,348/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,767
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,937
−HK$2,205/mo
Today · 4.125%
HK$74,142
baseline
▲ 0.50% · 4.625%
HK$78,653
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,284/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,615
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,697
−HK$2,111/mo
Today · 4.125%
HK$81,808
baseline
▲ 0.50% · 4.625%
HK$86,120
+HK$4,312/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,616/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,395
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,927
−HK$2,572/mo
Today · 4.125%
HK$86,499
baseline
▲ 0.50% · 4.625%
HK$91,762
+HK$5,263/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$172,998/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,551
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,979
−HK$2,464/mo
Today · 4.125%
HK$95,443
baseline
▲ 0.50% · 4.625%
HK$100,474
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,886/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,650
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,906
−HK$3,307/mo
Today · 4.125%
HK$111,213
baseline
▲ 0.50% · 4.625%
HK$117,980
+HK$6,767/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,426/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,422
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,545
−HK$3,167/mo
Today · 4.125%
HK$122,712
baseline
▲ 0.50% · 4.625%
HK$129,181
+HK$6,469/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,424/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,611 · Scale 2, in force from 26 Feb 2026)