LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,962
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,231
−HK$2,306/mo
Today · 4.125%
HK$77,537
baseline
▲ 0.50% · 4.625%
HK$82,255
+HK$4,718/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,074/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,169
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,346
−HK$2,208/mo
Today · 4.125%
HK$85,554
baseline
▲ 0.50% · 4.625%
HK$90,064
+HK$4,510/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$1,359,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,554
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,277
−HK$2,767/mo
Today · 4.125%
HK$93,044
baseline
▲ 0.50% · 4.625%
HK$98,706
+HK$5,662/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,088/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,403
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,015
−HK$2,650/mo
Today · 4.125%
HK$102,665
baseline
▲ 0.50% · 4.625%
HK$108,077
+HK$5,412/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,330/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,146
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,323
−HK$3,229/mo
Today · 4.125%
HK$108,552
baseline
▲ 0.50% · 4.625%
HK$115,157
+HK$6,605/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,104/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,637
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,684
−HK$3,092/mo
Today · 4.125%
HK$119,776
baseline
▲ 0.50% · 4.625%
HK$126,090
+HK$6,314/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,552/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,331
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,416
−HK$4,150/mo
Today · 4.125%
HK$139,566
baseline
▲ 0.50% · 4.625%
HK$148,059
+HK$8,493/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,132/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,104
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,023
−HK$3,975/mo
Today · 4.125%
HK$153,998
baseline
▲ 0.50% · 4.625%
HK$162,115
+HK$8,117/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$307,996/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,876 · Scale 2, in force from 26 Feb 2026)