LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,141
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,950
−HK$1,837/mo
Today · 4.125%
HK$61,787
baseline
▲ 0.50% · 4.625%
HK$65,547
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,574/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,682
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,416
−HK$1,760/mo
Today · 4.125%
HK$68,176
baseline
▲ 0.50% · 4.625%
HK$71,770
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,352/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,769
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,940
−HK$2,205/mo
Today · 4.125%
HK$74,145
baseline
▲ 0.50% · 4.625%
HK$78,656
+HK$4,511/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,290/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,618
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,700
−HK$2,111/mo
Today · 4.125%
HK$81,811
baseline
▲ 0.50% · 4.625%
HK$86,124
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,622/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,398
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,930
−HK$2,572/mo
Today · 4.125%
HK$86,502
baseline
▲ 0.50% · 4.625%
HK$91,766
+HK$5,264/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,004/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,554
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,983
−HK$2,464/mo
Today · 4.125%
HK$95,447
baseline
▲ 0.50% · 4.625%
HK$100,478
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,894/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,654
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,910
−HK$3,307/mo
Today · 4.125%
HK$111,217
baseline
▲ 0.50% · 4.625%
HK$117,984
+HK$6,767/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,434/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,427
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,549
−HK$3,168/mo
Today · 4.125%
HK$122,717
baseline
▲ 0.50% · 4.625%
HK$129,186
+HK$6,469/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,434/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,652 · Scale 2, in force from 26 Feb 2026)