LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,050
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,762
−HK$1,740/mo
Today · 4.125%
HK$58,502
baseline
▲ 0.50% · 4.625%
HK$62,062
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,004/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,242
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,885
−HK$1,666/mo
Today · 4.125%
HK$64,551
baseline
▲ 0.50% · 4.625%
HK$67,954
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,102/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,060
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,115
−HK$2,087/mo
Today · 4.125%
HK$70,202
baseline
▲ 0.50% · 4.625%
HK$74,474
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,404/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,491
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,462
−HK$1,999/mo
Today · 4.125%
HK$77,461
baseline
▲ 0.50% · 4.625%
HK$81,545
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,922/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,070
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,467
−HK$2,436/mo
Today · 4.125%
HK$81,903
baseline
▲ 0.50% · 4.625%
HK$86,886
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,806/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,739
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,039
−HK$2,333/mo
Today · 4.125%
HK$90,372
baseline
▲ 0.50% · 4.625%
HK$95,135
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,744/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,090
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,172
−HK$3,132/mo
Today · 4.125%
HK$105,304
baseline
▲ 0.50% · 4.625%
HK$111,711
+HK$6,407/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,608/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,236
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,193
−HK$2,999/mo
Today · 4.125%
HK$116,192
baseline
▲ 0.50% · 4.625%
HK$122,317
+HK$6,125/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,384/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,034 · Scale 2, in force from 26 Feb 2026)