LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,155
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,964
−HK$1,838/mo
Today · 4.125%
HK$61,802
baseline
▲ 0.50% · 4.625%
HK$65,563
+HK$3,761/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,604/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,697
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,432
−HK$1,761/mo
Today · 4.125%
HK$68,193
baseline
▲ 0.50% · 4.625%
HK$71,787
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,386/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,786
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,957
−HK$2,206/mo
Today · 4.125%
HK$74,163
baseline
▲ 0.50% · 4.625%
HK$78,675
+HK$4,512/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,326/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,637
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,719
−HK$2,112/mo
Today · 4.125%
HK$81,831
baseline
▲ 0.50% · 4.625%
HK$86,144
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,662/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,417
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,950
−HK$2,573/mo
Today · 4.125%
HK$86,523
baseline
▲ 0.50% · 4.625%
HK$91,788
+HK$5,265/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,046/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,576
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,005
−HK$2,465/mo
Today · 4.125%
HK$95,470
baseline
▲ 0.50% · 4.625%
HK$100,502
+HK$5,032/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,940/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,679
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,936
−HK$3,308/mo
Today · 4.125%
HK$111,244
baseline
▲ 0.50% · 4.625%
HK$118,013
+HK$6,769/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,488/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,455
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,578
−HK$3,169/mo
Today · 4.125%
HK$122,747
baseline
▲ 0.50% · 4.625%
HK$129,217
+HK$6,470/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,494/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,913 · Scale 2, in force from 26 Feb 2026)