LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,145
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,953
−HK$1,838/mo
Today · 4.125%
HK$61,791
baseline
▲ 0.50% · 4.625%
HK$65,551
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,582/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,685
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,420
−HK$1,760/mo
Today · 4.125%
HK$68,180
baseline
▲ 0.50% · 4.625%
HK$71,774
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,360/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,774
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,944
−HK$2,205/mo
Today · 4.125%
HK$74,149
baseline
▲ 0.50% · 4.625%
HK$78,661
+HK$4,512/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,298/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,622
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,704
−HK$2,112/mo
Today · 4.125%
HK$81,816
baseline
▲ 0.50% · 4.625%
HK$86,129
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,632/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,402
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,935
−HK$2,572/mo
Today · 4.125%
HK$86,507
baseline
▲ 0.50% · 4.625%
HK$91,771
+HK$5,264/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,014/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,559
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,988
−HK$2,464/mo
Today · 4.125%
HK$95,452
baseline
▲ 0.50% · 4.625%
HK$100,483
+HK$5,031/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,904/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,660
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,916
−HK$3,307/mo
Today · 4.125%
HK$111,223
baseline
▲ 0.50% · 4.625%
HK$117,991
+HK$6,768/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,446/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,434
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,556
−HK$3,168/mo
Today · 4.125%
HK$122,724
baseline
▲ 0.50% · 4.625%
HK$129,193
+HK$6,469/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,448/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,715 · Scale 2, in force from 26 Feb 2026)