LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,956
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,226
−HK$2,305/mo
Today · 4.125%
HK$77,531
baseline
▲ 0.50% · 4.625%
HK$82,249
+HK$4,718/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,062/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,163
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,340
−HK$2,208/mo
Today · 4.125%
HK$85,548
baseline
▲ 0.50% · 4.625%
HK$90,057
+HK$4,509/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,096/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,547
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,271
−HK$2,766/mo
Today · 4.125%
HK$93,037
baseline
▲ 0.50% · 4.625%
HK$98,699
+HK$5,662/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,074/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,396
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,008
−HK$2,650/mo
Today · 4.125%
HK$102,658
baseline
▲ 0.50% · 4.625%
HK$108,069
+HK$5,411/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,316/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,139
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,316
−HK$3,228/mo
Today · 4.125%
HK$108,544
baseline
▲ 0.50% · 4.625%
HK$115,148
+HK$6,604/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,088/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,628
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,676
−HK$3,091/mo
Today · 4.125%
HK$119,767
baseline
▲ 0.50% · 4.625%
HK$126,080
+HK$6,313/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,534/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,321
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,406
−HK$4,150/mo
Today · 4.125%
HK$139,556
baseline
▲ 0.50% · 4.625%
HK$148,048
+HK$8,492/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,112/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,094
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$150,012
−HK$3,975/mo
Today · 4.125%
HK$153,987
baseline
▲ 0.50% · 4.625%
HK$162,103
+HK$8,116/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$307,974/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,778 · Scale 2, in force from 26 Feb 2026)