LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,156
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,965
−HK$1,838/mo
Today · 4.125%
HK$61,803
baseline
▲ 0.50% · 4.625%
HK$65,564
+HK$3,761/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,606/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,698
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,434
−HK$1,760/mo
Today · 4.125%
HK$68,194
baseline
▲ 0.50% · 4.625%
HK$71,788
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,388/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,788
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,958
−HK$2,206/mo
Today · 4.125%
HK$74,164
baseline
▲ 0.50% · 4.625%
HK$78,677
+HK$4,513/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,328/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,638
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,720
−HK$2,113/mo
Today · 4.125%
HK$81,833
baseline
▲ 0.50% · 4.625%
HK$86,146
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,666/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,419
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,951
−HK$2,574/mo
Today · 4.125%
HK$86,525
baseline
▲ 0.50% · 4.625%
HK$91,789
+HK$5,264/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,050/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,578
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$93,007
−HK$2,464/mo
Today · 4.125%
HK$95,471
baseline
▲ 0.50% · 4.625%
HK$100,504
+HK$5,033/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,942/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,681
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,938
−HK$3,308/mo
Today · 4.125%
HK$111,246
baseline
▲ 0.50% · 4.625%
HK$118,015
+HK$6,769/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,492/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,457
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,580
−HK$3,169/mo
Today · 4.125%
HK$122,749
baseline
▲ 0.50% · 4.625%
HK$129,219
+HK$6,470/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,498/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,933 · Scale 2, in force from 26 Feb 2026)