LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,961
−HK$4,575/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$1,359,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,168
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,345
−HK$2,209/mo
Today · 4.125%
HK$85,554
baseline
▲ 0.50% · 4.625%
HK$90,063
+HK$4,509/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,108/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,553
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,277
−HK$2,766/mo
Today · 4.125%
HK$93,043
baseline
▲ 0.50% · 4.625%
HK$98,705
+HK$5,662/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$1,359,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,402
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,014
−HK$2,650/mo
Today · 4.125%
HK$102,664
baseline
▲ 0.50% · 4.625%
HK$108,076
+HK$5,412/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$1,359,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,145
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,323
−HK$3,228/mo
Today · 4.125%
HK$108,551
baseline
▲ 0.50% · 4.625%
HK$115,156
+HK$6,605/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,102/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,636
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,683
−HK$3,092/mo
Today · 4.125%
HK$119,775
baseline
▲ 0.50% · 4.625%
HK$126,089
+HK$6,314/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,550/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,330
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,415
−HK$4,150/mo
Today · 4.125%
HK$139,565
baseline
▲ 0.50% · 4.625%
HK$148,057
+HK$8,492/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,130/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,103
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$150,021
−HK$3,975/mo
Today · 4.125%
HK$153,996
baseline
▲ 0.50% · 4.625%
HK$162,114
+HK$8,118/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$307,992/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,865 · Scale 2, in force from 26 Feb 2026)