LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,052
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,764
−HK$1,740/mo
Today · 4.125%
HK$58,504
baseline
▲ 0.50% · 4.625%
HK$62,064
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,008/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,245
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,887
−HK$1,666/mo
Today · 4.125%
HK$64,553
baseline
▲ 0.50% · 4.625%
HK$67,956
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,106/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,062
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,117
−HK$2,088/mo
Today · 4.125%
HK$70,205
baseline
▲ 0.50% · 4.625%
HK$74,477
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,410/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,493
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,465
−HK$1,999/mo
Today · 4.125%
HK$77,464
baseline
▲ 0.50% · 4.625%
HK$81,547
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,928/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,073
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,470
−HK$2,436/mo
Today · 4.125%
HK$81,906
baseline
▲ 0.50% · 4.625%
HK$86,889
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,812/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,742
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,042
−HK$2,333/mo
Today · 4.125%
HK$90,375
baseline
▲ 0.50% · 4.625%
HK$95,139
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,750/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,093
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,176
−HK$3,131/mo
Today · 4.125%
HK$105,307
baseline
▲ 0.50% · 4.625%
HK$111,715
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,614/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,240
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,197
−HK$2,999/mo
Today · 4.125%
HK$116,196
baseline
▲ 0.50% · 4.625%
HK$122,321
+HK$6,125/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,392/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,070 · Scale 2, in force from 26 Feb 2026)