LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,302
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,147
−HK$1,874/mo
Today · 4.125%
HK$63,021
baseline
▲ 0.50% · 4.625%
HK$66,856
+HK$3,835/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,042/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,973
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,742
−HK$1,795/mo
Today · 4.125%
HK$69,537
baseline
▲ 0.50% · 4.625%
HK$73,203
+HK$3,666/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,074/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,163
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,376
−HK$2,249/mo
Today · 4.125%
HK$75,625
baseline
▲ 0.50% · 4.625%
HK$80,227
+HK$4,602/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$151,250/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,168
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,291
−HK$2,154/mo
Today · 4.125%
HK$83,445
baseline
▲ 0.50% · 4.625%
HK$87,843
+HK$4,398/mo
Deposit HK$10.40M · loan HK$15.60M · min. income ≈ HK$166,890/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,023
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,605
−HK$2,624/mo
Today · 4.125%
HK$88,229
baseline
▲ 0.50% · 4.625%
HK$93,598
+HK$5,369/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$176,458/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,362
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,839
−HK$2,513/mo
Today · 4.125%
HK$97,352
baseline
▲ 0.50% · 4.625%
HK$102,484
+HK$5,132/mo
Deposit HK$7.80M · loan HK$18.20M · min. income ≈ HK$194,704/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,744
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$110,064
−HK$3,374/mo
Today · 4.125%
HK$113,438
baseline
▲ 0.50% · 4.625%
HK$120,340
+HK$6,902/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,876/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,751
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,936
−HK$3,231/mo
Today · 4.125%
HK$125,167
baseline
▲ 0.50% · 4.625%
HK$131,765
+HK$6,598/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,334/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,288 · Scale 2, in force from 26 Feb 2026)