LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,282
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,126
−HK$1,873/mo
Today · 4.125%
HK$62,999
baseline
▲ 0.50% · 4.625%
HK$66,833
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$125,998/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,950
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,719
−HK$1,794/mo
Today · 4.125%
HK$69,513
baseline
▲ 0.50% · 4.625%
HK$73,178
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,026/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,138
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,351
−HK$2,248/mo
Today · 4.125%
HK$75,599
baseline
▲ 0.50% · 4.625%
HK$80,199
+HK$4,600/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,198/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,140
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,263
−HK$2,153/mo
Today · 4.125%
HK$83,416
baseline
▲ 0.50% · 4.625%
HK$87,813
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,832/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,994
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,576
−HK$2,623/mo
Today · 4.125%
HK$88,199
baseline
▲ 0.50% · 4.625%
HK$93,566
+HK$5,367/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,398/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,330
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,807
−HK$2,512/mo
Today · 4.125%
HK$97,319
baseline
▲ 0.50% · 4.625%
HK$102,449
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,638/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,707
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,026
−HK$3,373/mo
Today · 4.125%
HK$113,399
baseline
▲ 0.50% · 4.625%
HK$120,299
+HK$6,900/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,798/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,711
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,894
−HK$3,230/mo
Today · 4.125%
HK$125,124
baseline
▲ 0.50% · 4.625%
HK$131,720
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,248/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,908 · Scale 2, in force from 26 Feb 2026)