LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,954
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,224
−HK$2,305/mo
Today · 4.125%
HK$77,529
baseline
▲ 0.50% · 4.625%
HK$82,247
+HK$4,718/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$1,359,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,161
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,338
−HK$2,208/mo
Today · 4.125%
HK$85,546
baseline
▲ 0.50% · 4.625%
HK$90,055
+HK$4,509/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,092/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,744 · 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$98,696
+HK$5,661/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$1,359,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,393
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,005
−HK$2,650/mo
Today · 4.125%
HK$102,655
baseline
▲ 0.50% · 4.625%
HK$108,066
+HK$5,411/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,310/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,136
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,313
−HK$3,228/mo
Today · 4.125%
HK$108,541
baseline
▲ 0.50% · 4.625%
HK$115,145
+HK$6,604/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,082/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,625
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,673
−HK$3,091/mo
Today · 4.125%
HK$119,764
baseline
▲ 0.50% · 4.625%
HK$126,077
+HK$6,313/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,528/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,318
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,403
−HK$4,150/mo
Today · 4.125%
HK$139,553
baseline
▲ 0.50% · 4.625%
HK$148,044
+HK$8,491/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$279,106/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,090
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$150,008
−HK$3,975/mo
Today · 4.125%
HK$153,983
baseline
▲ 0.50% · 4.625%
HK$162,099
+HK$8,116/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$307,966/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,744 · Scale 2, in force from 26 Feb 2026)