LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,967
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,236
−HK$2,306/mo
Today · 4.125%
HK$77,542
baseline
▲ 0.50% · 4.625%
HK$82,261
+HK$4,719/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,084/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,175
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,352
−HK$2,208/mo
Today · 4.125%
HK$85,560
baseline
▲ 0.50% · 4.625%
HK$90,070
+HK$4,510/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,120/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,560
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,284
−HK$2,767/mo
Today · 4.125%
HK$93,051
baseline
▲ 0.50% · 4.625%
HK$98,713
+HK$5,662/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,102/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,410
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,022
−HK$2,650/mo
Today · 4.125%
HK$102,672
baseline
▲ 0.50% · 4.625%
HK$108,084
+HK$5,412/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,344/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,153
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,331
−HK$3,228/mo
Today · 4.125%
HK$108,559
baseline
▲ 0.50% · 4.625%
HK$115,165
+HK$6,606/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,118/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,645
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,693
−HK$3,092/mo
Today · 4.125%
HK$119,785
baseline
▲ 0.50% · 4.625%
HK$126,099
+HK$6,314/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,570/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,340
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$135,426
−HK$4,150/mo
Today · 4.125%
HK$139,576
baseline
▲ 0.50% · 4.625%
HK$148,069
+HK$8,493/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,152/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,115
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,033
−HK$3,976/mo
Today · 4.125%
HK$154,009
baseline
▲ 0.50% · 4.625%
HK$162,127
+HK$8,118/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$308,018/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,973 · Scale 2, in force from 26 Feb 2026)