LTV · monthly repayment
▼ 0.50% · 3.625%
HK$72,969
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,239
−HK$2,306/mo
Today · 4.125%
HK$77,545
baseline
▲ 0.50% · 4.625%
HK$82,263
+HK$4,718/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$155,090/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,177
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,354
−HK$2,209/mo
Today · 4.125%
HK$85,563
baseline
▲ 0.50% · 4.625%
HK$90,073
+HK$4,510/mo
Deposit HK$16.00M · loan HK$16.00M · min. income ≈ HK$171,126/mo (50% DSR)
Upfront cash ≈ HK$17.36M (deposit + AVD stamp duty HK$1,360,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,563
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,286
−HK$2,768/mo
Today · 4.125%
HK$93,054
baseline
▲ 0.50% · 4.625%
HK$98,716
+HK$5,662/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$186,108/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,413
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,025
−HK$2,650/mo
Today · 4.125%
HK$102,675
baseline
▲ 0.50% · 4.625%
HK$108,088
+HK$5,413/mo
Deposit HK$12.80M · loan HK$19.20M · min. income ≈ HK$205,350/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,360,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,156
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,334
−HK$3,229/mo
Today · 4.125%
HK$108,563
baseline
▲ 0.50% · 4.625%
HK$115,168
+HK$6,605/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$217,126/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,648
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,696
−HK$3,092/mo
Today · 4.125%
HK$119,788
baseline
▲ 0.50% · 4.625%
HK$126,102
+HK$6,314/mo
Deposit HK$9.60M · loan HK$22.40M · min. income ≈ HK$239,576/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,344
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$135,429
−HK$4,151/mo
Today · 4.125%
HK$139,580
baseline
▲ 0.50% · 4.625%
HK$148,073
+HK$8,493/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$279,160/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,119
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,038
−HK$3,975/mo
Today · 4.125%
HK$154,013
baseline
▲ 0.50% · 4.625%
HK$162,131
+HK$8,118/mo
Deposit HK$3.20M · loan HK$28.80M · min. income ≈ HK$308,026/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,013 · Scale 2, in force from 26 Feb 2026)