LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,967
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,237
−HK$2,306/mo
Today · 4.125%
HK$77,543
baseline
▲ 0.50% · 4.625%
HK$82,261
+HK$4,718/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,086/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,175
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,353
−HK$2,208/mo
Today · 4.125%
HK$85,561
baseline
▲ 0.50% · 4.625%
HK$90,071
+HK$4,510/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,122/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,359,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,561
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,285
−HK$2,767/mo
Today · 4.125%
HK$93,052
baseline
▲ 0.50% · 4.625%
HK$98,714
+HK$5,662/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,104/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,411
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,023
−HK$2,650/mo
Today · 4.125%
HK$102,673
baseline
▲ 0.50% · 4.625%
HK$108,085
+HK$5,412/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,346/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,154
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,332
−HK$3,228/mo
Today · 4.125%
HK$108,560
baseline
▲ 0.50% · 4.625%
HK$115,166
+HK$6,606/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,120/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,646
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,694
−HK$3,092/mo
Today · 4.125%
HK$119,786
baseline
▲ 0.50% · 4.625%
HK$126,100
+HK$6,314/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,572/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,341
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,427
−HK$4,151/mo
Today · 4.125%
HK$139,578
baseline
▲ 0.50% · 4.625%
HK$148,071
+HK$8,493/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,156/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,116
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,035
−HK$3,975/mo
Today · 4.125%
HK$154,010
baseline
▲ 0.50% · 4.625%
HK$162,128
+HK$8,118/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$308,020/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,985 · Scale 2, in force from 26 Feb 2026)