LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,300
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,144
−HK$1,874/mo
Today · 4.125%
HK$63,018
baseline
▲ 0.50% · 4.625%
HK$66,853
+HK$3,835/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,036/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,970
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,740
−HK$1,794/mo
Today · 4.125%
HK$69,534
baseline
▲ 0.50% · 4.625%
HK$73,200
+HK$3,666/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,068/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,160
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,373
−HK$2,249/mo
Today · 4.125%
HK$75,622
baseline
▲ 0.50% · 4.625%
HK$80,223
+HK$4,601/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,244/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,164
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,288
−HK$2,153/mo
Today · 4.125%
HK$83,441
baseline
▲ 0.50% · 4.625%
HK$87,840
+HK$4,399/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,882/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,020
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,602
−HK$2,624/mo
Today · 4.125%
HK$88,226
baseline
▲ 0.50% · 4.625%
HK$93,594
+HK$5,368/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,452/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,358
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,835
−HK$2,513/mo
Today · 4.125%
HK$97,348
baseline
▲ 0.50% · 4.625%
HK$102,480
+HK$5,132/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,696/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,739
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$110,060
−HK$3,373/mo
Today · 4.125%
HK$113,433
baseline
▲ 0.50% · 4.625%
HK$120,335
+HK$6,902/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,866/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,747
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$121,931
−HK$3,231/mo
Today · 4.125%
HK$125,162
baseline
▲ 0.50% · 4.625%
HK$131,760
+HK$6,598/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,324/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,243 · Scale 2, in force from 26 Feb 2026)