LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,960
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,230
−HK$2,306/mo
Today · 4.125%
HK$77,536
baseline
▲ 0.50% · 4.625%
HK$82,254
+HK$4,718/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,072/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,168
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,345
−HK$2,208/mo
Today · 4.125%
HK$85,553
baseline
▲ 0.50% · 4.625%
HK$90,063
+HK$4,510/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,106/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,553
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,276
−HK$2,767/mo
Today · 4.125%
HK$93,043
baseline
▲ 0.50% · 4.625%
HK$98,704
+HK$5,661/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,086/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,401
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,014
−HK$2,650/mo
Today · 4.125%
HK$102,664
baseline
▲ 0.50% · 4.625%
HK$108,075
+HK$5,411/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,328/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,145
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,322
−HK$3,228/mo
Today · 4.125%
HK$108,550
baseline
▲ 0.50% · 4.625%
HK$115,155
+HK$6,605/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,100/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,635
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,682
−HK$3,092/mo
Today · 4.125%
HK$119,774
baseline
▲ 0.50% · 4.625%
HK$126,088
+HK$6,314/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,548/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,329
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,414
−HK$4,150/mo
Today · 4.125%
HK$139,564
baseline
▲ 0.50% · 4.625%
HK$148,056
+HK$8,492/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,128/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,102
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$150,020
−HK$3,975/mo
Today · 4.125%
HK$153,995
baseline
▲ 0.50% · 4.625%
HK$162,113
+HK$8,118/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$307,990/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,855 · Scale 2, in force from 26 Feb 2026)