LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,090
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,395
−HK$2,341/mo
Today · 4.125%
HK$78,736
baseline
▲ 0.50% · 4.625%
HK$83,527
+HK$4,791/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$157,472/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,380,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,424
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,635
−HK$2,243/mo
Today · 4.125%
HK$86,878
baseline
▲ 0.50% · 4.625%
HK$91,457
+HK$4,579/mo
Deposit HK$16.25M · loan HK$16.25M · min. income ≈ HK$173,756/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,380,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,908
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,674
−HK$2,809/mo
Today · 4.125%
HK$94,483
baseline
▲ 0.50% · 4.625%
HK$100,233
+HK$5,750/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$188,966/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,380,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,909
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,562
−HK$2,691/mo
Today · 4.125%
HK$104,253
baseline
▲ 0.50% · 4.625%
HK$109,748
+HK$5,495/mo
Deposit HK$13.00M · loan HK$19.50M · min. income ≈ HK$208,506/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,380,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,726
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,953
−HK$3,278/mo
Today · 4.125%
HK$110,231
baseline
▲ 0.50% · 4.625%
HK$116,938
+HK$6,707/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$220,462/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,394
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$118,489
−HK$3,140/mo
Today · 4.125%
HK$121,629
baseline
▲ 0.50% · 4.625%
HK$128,040
+HK$6,411/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$243,258/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,362
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,511
−HK$4,214/mo
Today · 4.125%
HK$141,725
baseline
▲ 0.50% · 4.625%
HK$150,349
+HK$8,624/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$283,450/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,364
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,343
−HK$4,037/mo
Today · 4.125%
HK$156,380
baseline
▲ 0.50% · 4.625%
HK$164,623
+HK$8,243/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$312,760/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,911 · Scale 2, in force from 26 Feb 2026)