LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,152
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,961
−HK$1,837/mo
Today · 4.125%
HK$61,798
baseline
▲ 0.50% · 4.625%
HK$65,559
+HK$3,761/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,596/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,693
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,428
−HK$1,760/mo
Today · 4.125%
HK$68,188
baseline
▲ 0.50% · 4.625%
HK$71,783
+HK$3,595/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,376/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,782
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,953
−HK$2,205/mo
Today · 4.125%
HK$74,158
baseline
▲ 0.50% · 4.625%
HK$78,670
+HK$4,512/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,316/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,632
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,714
−HK$2,112/mo
Today · 4.125%
HK$81,826
baseline
▲ 0.50% · 4.625%
HK$86,139
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,652/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,083,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,413
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,945
−HK$2,573/mo
Today · 4.125%
HK$86,518
baseline
▲ 0.50% · 4.625%
HK$91,782
+HK$5,264/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,036/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,571
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$93,000
−HK$2,464/mo
Today · 4.125%
HK$95,464
baseline
▲ 0.50% · 4.625%
HK$100,496
+HK$5,032/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,928/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$1,083,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,673
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$107,929
−HK$3,308/mo
Today · 4.125%
HK$111,237
baseline
▲ 0.50% · 4.625%
HK$118,006
+HK$6,769/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,474/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,448
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,571
−HK$3,168/mo
Today · 4.125%
HK$122,739
baseline
▲ 0.50% · 4.625%
HK$129,209
+HK$6,470/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,478/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,849 · Scale 2, in force from 26 Feb 2026)