LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,166
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,975
−HK$1,838/mo
Today · 4.125%
HK$61,813
baseline
▲ 0.50% · 4.625%
HK$65,574
+HK$3,761/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,626/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,709
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,444
−HK$1,761/mo
Today · 4.125%
HK$68,205
baseline
▲ 0.50% · 4.625%
HK$71,800
+HK$3,595/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,410/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,799
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,970
−HK$2,206/mo
Today · 4.125%
HK$74,176
baseline
▲ 0.50% · 4.625%
HK$78,689
+HK$4,513/mo
Deposit HK$10.20M · loan HK$15.31M · min. income ≈ HK$148,352/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,651
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,733
−HK$2,113/mo
Today · 4.125%
HK$81,846
baseline
▲ 0.50% · 4.625%
HK$86,160
+HK$4,314/mo
Deposit HK$10.20M · loan HK$15.31M · min. income ≈ HK$163,692/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,432
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,965
−HK$2,574/mo
Today · 4.125%
HK$86,539
baseline
▲ 0.50% · 4.625%
HK$91,804
+HK$5,265/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,078/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,592
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,022
−HK$2,465/mo
Today · 4.125%
HK$95,487
baseline
▲ 0.50% · 4.625%
HK$100,520
+HK$5,033/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$190,974/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,698
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,955
−HK$3,309/mo
Today · 4.125%
HK$111,264
baseline
▲ 0.50% · 4.625%
HK$118,034
+HK$6,770/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,528/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,084,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,476
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,600
−HK$3,169/mo
Today · 4.125%
HK$122,769
baseline
▲ 0.50% · 4.625%
HK$129,240
+HK$6,471/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,538/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,084,109 · Scale 2, in force from 26 Feb 2026)