LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,158
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,967
−HK$1,838/mo
Today · 4.125%
HK$61,805
baseline
▲ 0.50% · 4.625%
HK$65,566
+HK$3,761/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,610/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,701
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,436
−HK$1,760/mo
Today · 4.125%
HK$68,196
baseline
▲ 0.50% · 4.625%
HK$71,791
+HK$3,595/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,392/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,083,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,790
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,961
−HK$2,206/mo
Today · 4.125%
HK$74,167
baseline
▲ 0.50% · 4.625%
HK$78,679
+HK$4,512/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,334/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,641
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,723
−HK$2,112/mo
Today · 4.125%
HK$81,835
baseline
▲ 0.50% · 4.625%
HK$86,149
+HK$4,314/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,670/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,083,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,422
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,954
−HK$2,574/mo
Today · 4.125%
HK$86,528
baseline
▲ 0.50% · 4.625%
HK$91,793
+HK$5,265/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,056/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,581
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,010
−HK$2,465/mo
Today · 4.125%
HK$95,475
baseline
▲ 0.50% · 4.625%
HK$100,507
+HK$5,032/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,950/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,083,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,685
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,941
−HK$3,309/mo
Today · 4.125%
HK$111,250
baseline
▲ 0.50% · 4.625%
HK$118,019
+HK$6,769/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$222,500/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,461
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,585
−HK$3,168/mo
Today · 4.125%
HK$122,753
baseline
▲ 0.50% · 4.625%
HK$129,224
+HK$6,471/mo
Deposit HK$2.55M · loan HK$22.95M · min. income ≈ HK$245,506/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,083,971 · Scale 2, in force from 26 Feb 2026)