LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,307
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,151
−HK$1,875/mo
Today · 4.125%
HK$63,026
baseline
▲ 0.50% · 4.625%
HK$66,861
+HK$3,835/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$126,052/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,978
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,748
−HK$1,795/mo
Today · 4.125%
HK$69,543
baseline
▲ 0.50% · 4.625%
HK$73,208
+HK$3,665/mo
Deposit HK$13.00M · loan HK$13.00M · min. income ≈ HK$139,086/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,168
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,382
−HK$2,249/mo
Today · 4.125%
HK$75,631
baseline
▲ 0.50% · 4.625%
HK$80,233
+HK$4,602/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$151,262/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,174
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,297
−HK$2,154/mo
Today · 4.125%
HK$83,451
baseline
▲ 0.50% · 4.625%
HK$87,850
+HK$4,399/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$166,902/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,029
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,612
−HK$2,624/mo
Today · 4.125%
HK$88,236
baseline
▲ 0.50% · 4.625%
HK$93,605
+HK$5,369/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,472/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,369
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,847
−HK$2,513/mo
Today · 4.125%
HK$97,360
baseline
▲ 0.50% · 4.625%
HK$102,492
+HK$5,132/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,720/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,752
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$110,073
−HK$3,373/mo
Today · 4.125%
HK$113,446
baseline
▲ 0.50% · 4.625%
HK$120,349
+HK$6,903/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,892/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,761
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,946
−HK$3,231/mo
Today · 4.125%
HK$125,177
baseline
▲ 0.50% · 4.625%
HK$131,775
+HK$6,598/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,354/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,374 · Scale 2, in force from 26 Feb 2026)