LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,286
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,130
−HK$1,874/mo
Today · 4.125%
HK$63,004
baseline
▲ 0.50% · 4.625%
HK$66,838
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,008/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,955
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,724
−HK$1,795/mo
Today · 4.125%
HK$69,519
baseline
▲ 0.50% · 4.625%
HK$73,183
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,038/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,144
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,357
−HK$2,248/mo
Today · 4.125%
HK$75,605
baseline
▲ 0.50% · 4.625%
HK$80,205
+HK$4,600/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,210/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,146
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,269
−HK$2,154/mo
Today · 4.125%
HK$83,423
baseline
▲ 0.50% · 4.625%
HK$87,820
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,846/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,001
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,583
−HK$2,623/mo
Today · 4.125%
HK$88,206
baseline
▲ 0.50% · 4.625%
HK$93,573
+HK$5,367/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,412/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,338
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,814
−HK$2,512/mo
Today · 4.125%
HK$97,326
baseline
▲ 0.50% · 4.625%
HK$102,456
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,652/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,715
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,035
−HK$3,372/mo
Today · 4.125%
HK$113,407
baseline
▲ 0.50% · 4.625%
HK$120,308
+HK$6,901/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,814/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,720
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,904
−HK$3,230/mo
Today · 4.125%
HK$125,134
baseline
▲ 0.50% · 4.625%
HK$131,730
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,268/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,993 · Scale 2, in force from 26 Feb 2026)