LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,951
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,220
−HK$2,306/mo
Today · 4.125%
HK$77,526
baseline
▲ 0.50% · 4.625%
HK$82,243
+HK$4,717/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,052/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,157
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,334
−HK$2,208/mo
Today · 4.125%
HK$85,542
baseline
▲ 0.50% · 4.625%
HK$90,051
+HK$4,509/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,084/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,541
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,264
−HK$2,767/mo
Today · 4.125%
HK$93,031
baseline
▲ 0.50% · 4.625%
HK$98,692
+HK$5,661/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,062/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,389
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,001
−HK$2,650/mo
Today · 4.125%
HK$102,651
baseline
▲ 0.50% · 4.625%
HK$108,061
+HK$5,410/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,302/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,132
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,309
−HK$3,227/mo
Today · 4.125%
HK$108,536
baseline
▲ 0.50% · 4.625%
HK$115,140
+HK$6,604/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$217,072/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,620
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,668
−HK$3,091/mo
Today · 4.125%
HK$119,759
baseline
▲ 0.50% · 4.625%
HK$126,072
+HK$6,313/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$239,518/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,312
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,397
−HK$4,150/mo
Today · 4.125%
HK$139,547
baseline
▲ 0.50% · 4.625%
HK$148,038
+HK$8,491/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$279,094/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,083
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$150,001
−HK$3,975/mo
Today · 4.125%
HK$153,976
baseline
▲ 0.50% · 4.625%
HK$162,092
+HK$8,116/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$307,952/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,683 · Scale 2, in force from 26 Feb 2026)