LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,996
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,706
−HK$1,739/mo
Today · 4.125%
HK$58,445
baseline
▲ 0.50% · 4.625%
HK$62,001
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,890/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,182
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,823
−HK$1,665/mo
Today · 4.125%
HK$64,488
baseline
▲ 0.50% · 4.625%
HK$67,887
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,976/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,995
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,048
−HK$2,085/mo
Today · 4.125%
HK$70,133
baseline
▲ 0.50% · 4.625%
HK$74,401
+HK$4,268/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,266/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,419
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,388
−HK$1,997/mo
Today · 4.125%
HK$77,385
baseline
▲ 0.50% · 4.625%
HK$81,464
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,770/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,994
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,389
−HK$2,433/mo
Today · 4.125%
HK$81,822
baseline
▲ 0.50% · 4.625%
HK$86,801
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,644/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,655
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,952
−HK$2,331/mo
Today · 4.125%
HK$90,283
baseline
▲ 0.50% · 4.625%
HK$95,042
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,566/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,992
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,072
−HK$3,128/mo
Today · 4.125%
HK$105,200
baseline
▲ 0.50% · 4.625%
HK$111,601
+HK$6,401/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,400/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,128
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,082
−HK$2,996/mo
Today · 4.125%
HK$116,078
baseline
▲ 0.50% · 4.625%
HK$122,197
+HK$6,119/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,156/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,026 · Scale 2, in force from 26 Feb 2026)