LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,288
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,132
−HK$1,874/mo
Today · 4.125%
HK$63,006
baseline
▲ 0.50% · 4.625%
HK$66,839
+HK$3,833/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,012/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,957
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,726
−HK$1,794/mo
Today · 4.125%
HK$69,520
baseline
▲ 0.50% · 4.625%
HK$73,185
+HK$3,665/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$1,105,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,145
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,358
−HK$2,249/mo
Today · 4.125%
HK$75,607
baseline
▲ 0.50% · 4.625%
HK$80,207
+HK$4,600/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,214/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,148
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,271
−HK$2,154/mo
Today · 4.125%
HK$83,425
baseline
▲ 0.50% · 4.625%
HK$87,822
+HK$4,397/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,850/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,003
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,585
−HK$2,623/mo
Today · 4.125%
HK$88,208
baseline
▲ 0.50% · 4.625%
HK$93,575
+HK$5,367/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,416/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,340
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,816
−HK$2,513/mo
Today · 4.125%
HK$97,329
baseline
▲ 0.50% · 4.625%
HK$102,459
+HK$5,130/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,658/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,718
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,037
−HK$3,373/mo
Today · 4.125%
HK$113,410
baseline
▲ 0.50% · 4.625%
HK$120,311
+HK$6,901/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,820/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,723
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,907
−HK$3,230/mo
Today · 4.125%
HK$125,137
baseline
▲ 0.50% · 4.625%
HK$131,733
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,274/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,020 · Scale 2, in force from 26 Feb 2026)