LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,271
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,114
−HK$1,874/mo
Today · 4.125%
HK$62,988
baseline
▲ 0.50% · 4.625%
HK$66,820
+HK$3,832/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,976/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,938
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,707
−HK$1,794/mo
Today · 4.125%
HK$69,501
baseline
▲ 0.50% · 4.625%
HK$73,164
+HK$3,663/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,002/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,125
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,337
−HK$2,248/mo
Today · 4.125%
HK$75,585
baseline
▲ 0.50% · 4.625%
HK$80,184
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,170/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,126
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,248
−HK$2,153/mo
Today · 4.125%
HK$83,401
baseline
▲ 0.50% · 4.625%
HK$87,797
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,802/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,979
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,560
−HK$2,623/mo
Today · 4.125%
HK$88,183
baseline
▲ 0.50% · 4.625%
HK$93,548
+HK$5,365/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,366/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,313
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,789
−HK$2,512/mo
Today · 4.125%
HK$97,301
baseline
▲ 0.50% · 4.625%
HK$102,430
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,602/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,687
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,006
−HK$3,372/mo
Today · 4.125%
HK$113,378
baseline
▲ 0.50% · 4.625%
HK$120,276
+HK$6,898/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,756/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,689
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,872
−HK$3,229/mo
Today · 4.125%
HK$125,101
baseline
▲ 0.50% · 4.625%
HK$131,695
+HK$6,594/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,202/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,704 · Scale 2, in force from 26 Feb 2026)