LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,150
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,959
−HK$1,838/mo
Today · 4.125%
HK$61,797
baseline
▲ 0.50% · 4.625%
HK$65,557
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,594/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,692
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,427
−HK$1,760/mo
Today · 4.125%
HK$68,187
baseline
▲ 0.50% · 4.625%
HK$71,781
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,374/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,083,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,781
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,951
−HK$2,205/mo
Today · 4.125%
HK$74,156
baseline
▲ 0.50% · 4.625%
HK$78,669
+HK$4,513/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,312/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,630
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,712
−HK$2,112/mo
Today · 4.125%
HK$81,824
baseline
▲ 0.50% · 4.625%
HK$86,137
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,648/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,411
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,943
−HK$2,573/mo
Today · 4.125%
HK$86,516
baseline
▲ 0.50% · 4.625%
HK$91,780
+HK$5,264/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,032/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,568
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$92,997
−HK$2,465/mo
Today · 4.125%
HK$95,462
baseline
▲ 0.50% · 4.625%
HK$100,494
+HK$5,032/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,924/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,671
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$107,927
−HK$3,308/mo
Today · 4.125%
HK$111,235
baseline
▲ 0.50% · 4.625%
HK$118,003
+HK$6,768/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,470/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,445
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,568
−HK$3,168/mo
Today · 4.125%
HK$122,736
baseline
▲ 0.50% · 4.625%
HK$129,206
+HK$6,470/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,472/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,823 · Scale 2, in force from 26 Feb 2026)