LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,294
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,139
−HK$1,874/mo
Today · 4.125%
HK$63,013
baseline
▲ 0.50% · 4.625%
HK$66,847
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,026/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,964
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,734
−HK$1,794/mo
Today · 4.125%
HK$69,528
baseline
▲ 0.50% · 4.625%
HK$73,193
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,056/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,153
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,367
−HK$2,248/mo
Today · 4.125%
HK$75,615
baseline
▲ 0.50% · 4.625%
HK$80,216
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,230/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,157
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,280
−HK$2,154/mo
Today · 4.125%
HK$83,434
baseline
▲ 0.50% · 4.625%
HK$87,832
+HK$4,398/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,868/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,012
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,594
−HK$2,624/mo
Today · 4.125%
HK$88,218
baseline
▲ 0.50% · 4.625%
HK$93,586
+HK$5,368/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,436/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,350
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,827
−HK$2,513/mo
Today · 4.125%
HK$97,340
baseline
▲ 0.50% · 4.625%
HK$102,471
+HK$5,131/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,680/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,730
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,050
−HK$3,373/mo
Today · 4.125%
HK$113,423
baseline
▲ 0.50% · 4.625%
HK$120,324
+HK$6,901/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,846/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,736
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,921
−HK$3,230/mo
Today · 4.125%
HK$125,151
baseline
▲ 0.50% · 4.625%
HK$131,748
+HK$6,597/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,302/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,146 · Scale 2, in force from 26 Feb 2026)