LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,273
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,117
−HK$1,873/mo
Today · 4.125%
HK$62,990
baseline
▲ 0.50% · 4.625%
HK$66,823
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,980/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,941
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,709
−HK$1,794/mo
Today · 4.125%
HK$69,503
baseline
▲ 0.50% · 4.625%
HK$73,167
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,006/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,128
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,340
−HK$2,248/mo
Today · 4.125%
HK$75,588
baseline
▲ 0.50% · 4.625%
HK$80,187
+HK$4,599/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,176/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,129
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,251
−HK$2,153/mo
Today · 4.125%
HK$83,404
baseline
▲ 0.50% · 4.625%
HK$87,800
+HK$4,396/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,808/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,982
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,563
−HK$2,623/mo
Today · 4.125%
HK$88,186
baseline
▲ 0.50% · 4.625%
HK$93,552
+HK$5,366/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,372/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,317
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,793
−HK$2,511/mo
Today · 4.125%
HK$97,304
baseline
▲ 0.50% · 4.625%
HK$102,433
+HK$5,129/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,608/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,691
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,010
−HK$3,372/mo
Today · 4.125%
HK$113,382
baseline
▲ 0.50% · 4.625%
HK$120,281
+HK$6,899/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,764/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,693
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,876
−HK$3,230/mo
Today · 4.125%
HK$125,106
baseline
▲ 0.50% · 4.625%
HK$131,700
+HK$6,594/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,212/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,746 · Scale 2, in force from 26 Feb 2026)