LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,280
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,124
−HK$1,874/mo
Today · 4.125%
HK$62,998
baseline
▲ 0.50% · 4.625%
HK$66,831
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,996/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,949
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,717
−HK$1,795/mo
Today · 4.125%
HK$69,512
baseline
▲ 0.50% · 4.625%
HK$73,176
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,024/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,136
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,349
−HK$2,248/mo
Today · 4.125%
HK$75,597
baseline
▲ 0.50% · 4.625%
HK$80,197
+HK$4,600/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,194/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,139
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,261
−HK$2,153/mo
Today · 4.125%
HK$83,414
baseline
▲ 0.50% · 4.625%
HK$87,811
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,828/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,992
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,574
−HK$2,623/mo
Today · 4.125%
HK$88,197
baseline
▲ 0.50% · 4.625%
HK$93,563
+HK$5,366/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,394/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,328
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,804
−HK$2,512/mo
Today · 4.125%
HK$97,316
baseline
▲ 0.50% · 4.625%
HK$102,446
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,632/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,705
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,024
−HK$3,372/mo
Today · 4.125%
HK$113,396
baseline
▲ 0.50% · 4.625%
HK$120,296
+HK$6,900/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,792/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,708
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,891
−HK$3,230/mo
Today · 4.125%
HK$125,121
baseline
▲ 0.50% · 4.625%
HK$131,717
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,242/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,882 · Scale 2, in force from 26 Feb 2026)