LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,296
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,140
−HK$1,874/mo
Today · 4.125%
HK$63,014
baseline
▲ 0.50% · 4.625%
HK$66,848
+HK$3,834/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,028/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,966
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,735
−HK$1,795/mo
Today · 4.125%
HK$69,530
baseline
▲ 0.50% · 4.625%
HK$73,195
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,060/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,155
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,368
−HK$2,249/mo
Today · 4.125%
HK$75,617
baseline
▲ 0.50% · 4.625%
HK$80,218
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,234/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,159
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,282
−HK$2,154/mo
Today · 4.125%
HK$83,436
baseline
▲ 0.50% · 4.625%
HK$87,834
+HK$4,398/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,872/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,014
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,596
−HK$2,624/mo
Today · 4.125%
HK$88,220
baseline
▲ 0.50% · 4.625%
HK$93,588
+HK$5,368/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,440/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,352
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,829
−HK$2,513/mo
Today · 4.125%
HK$97,342
baseline
▲ 0.50% · 4.625%
HK$102,473
+HK$5,131/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,684/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,732
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$110,052
−HK$3,373/mo
Today · 4.125%
HK$113,425
baseline
▲ 0.50% · 4.625%
HK$120,327
+HK$6,902/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$226,850/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,738
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,923
−HK$3,231/mo
Today · 4.125%
HK$125,154
baseline
▲ 0.50% · 4.625%
HK$131,751
+HK$6,597/mo
Deposit HK$2.60M · loan HK$23.40M · min. income ≈ HK$250,308/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,168 · Scale 2, in force from 26 Feb 2026)