LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,293
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,137
−HK$1,874/mo
Today · 4.125%
HK$63,011
baseline
▲ 0.50% · 4.625%
HK$66,845
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,022/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,963
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,732
−HK$1,794/mo
Today · 4.125%
HK$69,526
baseline
▲ 0.50% · 4.625%
HK$73,191
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,052/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,151
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,365
−HK$2,248/mo
Today · 4.125%
HK$75,613
baseline
▲ 0.50% · 4.625%
HK$80,214
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,226/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,155
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,278
−HK$2,154/mo
Today · 4.125%
HK$83,432
baseline
▲ 0.50% · 4.625%
HK$87,830
+HK$4,398/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,864/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,010
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,592
−HK$2,623/mo
Today · 4.125%
HK$88,215
baseline
▲ 0.50% · 4.625%
HK$93,583
+HK$5,368/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,430/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,348
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,824
−HK$2,513/mo
Today · 4.125%
HK$97,337
baseline
▲ 0.50% · 4.625%
HK$102,468
+HK$5,131/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,674/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,727
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,047
−HK$3,373/mo
Today · 4.125%
HK$113,420
baseline
▲ 0.50% · 4.625%
HK$120,321
+HK$6,901/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,840/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,733
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,917
−HK$3,231/mo
Today · 4.125%
HK$125,148
baseline
▲ 0.50% · 4.625%
HK$131,744
+HK$6,596/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,296/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,115 · Scale 2, in force from 26 Feb 2026)