LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,954
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,223
−HK$2,306/mo
Today · 4.125%
HK$77,529
baseline
▲ 0.50% · 4.625%
HK$82,246
+HK$4,717/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,058/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,160
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,337
−HK$2,208/mo
Today · 4.125%
HK$85,545
baseline
▲ 0.50% · 4.625%
HK$90,055
+HK$4,510/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,090/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,545
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,268
−HK$2,767/mo
Today · 4.125%
HK$93,035
baseline
▲ 0.50% · 4.625%
HK$98,695
+HK$5,660/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,070/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,393
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$100,005
−HK$2,649/mo
Today · 4.125%
HK$102,654
baseline
▲ 0.50% · 4.625%
HK$108,065
+HK$5,411/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,308/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,135
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,312
−HK$3,228/mo
Today · 4.125%
HK$108,540
baseline
▲ 0.50% · 4.625%
HK$115,145
+HK$6,605/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,080/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,625
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,672
−HK$3,091/mo
Today · 4.125%
HK$119,763
baseline
▲ 0.50% · 4.625%
HK$126,076
+HK$6,313/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,526/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,317
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,402
−HK$4,150/mo
Today · 4.125%
HK$139,552
baseline
▲ 0.50% · 4.625%
HK$148,043
+HK$8,491/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$279,104/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,089
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$150,007
−HK$3,975/mo
Today · 4.125%
HK$153,982
baseline
▲ 0.50% · 4.625%
HK$162,098
+HK$8,116/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$307,964/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,734 · Scale 2, in force from 26 Feb 2026)