LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,965
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,234
−HK$2,306/mo
Today · 4.125%
HK$77,540
baseline
▲ 0.50% · 4.625%
HK$82,258
+HK$4,718/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,080/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,172
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,349
−HK$2,209/mo
Today · 4.125%
HK$85,558
baseline
▲ 0.50% · 4.625%
HK$90,068
+HK$4,510/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,116/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,558
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,281
−HK$2,767/mo
Today · 4.125%
HK$93,048
baseline
▲ 0.50% · 4.625%
HK$98,710
+HK$5,662/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,096/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,407
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,019
−HK$2,651/mo
Today · 4.125%
HK$102,670
baseline
▲ 0.50% · 4.625%
HK$108,081
+HK$5,411/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,340/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,150
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,328
−HK$3,228/mo
Today · 4.125%
HK$108,556
baseline
▲ 0.50% · 4.625%
HK$115,162
+HK$6,606/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,112/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,641
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,689
−HK$3,092/mo
Today · 4.125%
HK$119,781
baseline
▲ 0.50% · 4.625%
HK$126,095
+HK$6,314/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,562/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,336
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$135,422
−HK$4,150/mo
Today · 4.125%
HK$139,572
baseline
▲ 0.50% · 4.625%
HK$148,065
+HK$8,493/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,144/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,110
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,029
−HK$3,975/mo
Today · 4.125%
HK$154,004
baseline
▲ 0.50% · 4.625%
HK$162,122
+HK$8,118/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$308,008/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,934 · Scale 2, in force from 26 Feb 2026)