LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,287
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,131
−HK$1,874/mo
Today · 4.125%
HK$63,005
baseline
▲ 0.50% · 4.625%
HK$66,839
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,010/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,956
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,725
−HK$1,795/mo
Today · 4.125%
HK$69,520
baseline
▲ 0.50% · 4.625%
HK$73,184
+HK$3,664/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,040/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,145
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,358
−HK$2,248/mo
Today · 4.125%
HK$75,606
baseline
▲ 0.50% · 4.625%
HK$80,207
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,212/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,148
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,270
−HK$2,154/mo
Today · 4.125%
HK$83,424
baseline
▲ 0.50% · 4.625%
HK$87,821
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,848/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,002
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,584
−HK$2,623/mo
Today · 4.125%
HK$88,207
baseline
▲ 0.50% · 4.625%
HK$93,574
+HK$5,367/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,414/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,339
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,816
−HK$2,512/mo
Today · 4.125%
HK$97,328
baseline
▲ 0.50% · 4.625%
HK$102,458
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,656/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,717
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,037
−HK$3,372/mo
Today · 4.125%
HK$113,409
baseline
▲ 0.50% · 4.625%
HK$120,310
+HK$6,901/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,818/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,722
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,906
−HK$3,230/mo
Today · 4.125%
HK$125,136
baseline
▲ 0.50% · 4.625%
HK$131,732
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,272/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,012 · Scale 2, in force from 26 Feb 2026)