LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,163
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,972
−HK$1,838/mo
Today · 4.125%
HK$61,810
baseline
▲ 0.50% · 4.625%
HK$65,571
+HK$3,761/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,620/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,706
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,441
−HK$1,761/mo
Today · 4.125%
HK$68,202
baseline
▲ 0.50% · 4.625%
HK$71,797
+HK$3,595/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,404/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,796
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,967
−HK$2,205/mo
Today · 4.125%
HK$74,172
baseline
▲ 0.50% · 4.625%
HK$78,686
+HK$4,514/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,344/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,647
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,729
−HK$2,113/mo
Today · 4.125%
HK$81,842
baseline
▲ 0.50% · 4.625%
HK$86,156
+HK$4,314/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,684/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,428
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,961
−HK$2,573/mo
Today · 4.125%
HK$86,534
baseline
▲ 0.50% · 4.625%
HK$91,800
+HK$5,266/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,068/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,588
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,018
−HK$2,464/mo
Today · 4.125%
HK$95,482
baseline
▲ 0.50% · 4.625%
HK$100,515
+HK$5,033/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$190,964/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,693
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,950
−HK$3,309/mo
Today · 4.125%
HK$111,259
baseline
▲ 0.50% · 4.625%
HK$118,028
+HK$6,769/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,518/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,084,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,470
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,594
−HK$3,169/mo
Today · 4.125%
HK$122,763
baseline
▲ 0.50% · 4.625%
HK$129,234
+HK$6,471/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,526/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,084,057 · Scale 2, in force from 26 Feb 2026)