LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,168
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,977
−HK$1,838/mo
Today · 4.125%
HK$61,815
baseline
▲ 0.50% · 4.625%
HK$65,577
+HK$3,762/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,630/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,711
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,446
−HK$1,761/mo
Today · 4.125%
HK$68,207
baseline
▲ 0.50% · 4.625%
HK$71,802
+HK$3,595/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,414/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,801
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,972
−HK$2,206/mo
Today · 4.125%
HK$74,178
baseline
▲ 0.50% · 4.625%
HK$78,692
+HK$4,514/mo
Deposit HK$10.20M · loan HK$15.31M · min. income ≈ HK$148,356/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,653
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,736
−HK$2,112/mo
Today · 4.125%
HK$81,848
baseline
▲ 0.50% · 4.625%
HK$86,163
+HK$4,315/mo
Deposit HK$10.20M · loan HK$15.31M · min. income ≈ HK$163,696/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,435
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,968
−HK$2,573/mo
Today · 4.125%
HK$86,541
baseline
▲ 0.50% · 4.625%
HK$91,807
+HK$5,266/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$173,082/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,595
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,025
−HK$2,465/mo
Today · 4.125%
HK$95,490
baseline
▲ 0.50% · 4.625%
HK$100,523
+HK$5,033/mo
Deposit HK$7.65M · loan HK$17.86M · min. income ≈ HK$190,980/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,702
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,959
−HK$3,308/mo
Today · 4.125%
HK$111,267
baseline
▲ 0.50% · 4.625%
HK$118,038
+HK$6,771/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,534/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,480
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,604
−HK$3,169/mo
Today · 4.125%
HK$122,773
baseline
▲ 0.50% · 4.625%
HK$129,244
+HK$6,471/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,546/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$1,084,143 · Scale 2, in force from 26 Feb 2026)