LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,054
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,766
−HK$1,740/mo
Today · 4.125%
HK$58,506
baseline
▲ 0.50% · 4.625%
HK$62,066
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,012/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,247
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,889
−HK$1,667/mo
Today · 4.125%
HK$64,556
baseline
▲ 0.50% · 4.625%
HK$67,959
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,112/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,064
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,119
−HK$2,088/mo
Today · 4.125%
HK$70,207
baseline
▲ 0.50% · 4.625%
HK$74,479
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,414/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,496
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,467
−HK$2,000/mo
Today · 4.125%
HK$77,467
baseline
▲ 0.50% · 4.625%
HK$81,550
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,934/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,075
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,473
−HK$2,436/mo
Today · 4.125%
HK$81,909
baseline
▲ 0.50% · 4.625%
HK$86,892
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,818/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,745
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,045
−HK$2,333/mo
Today · 4.125%
HK$90,378
baseline
▲ 0.50% · 4.625%
HK$95,142
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,756/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,097
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$102,179
−HK$3,132/mo
Today · 4.125%
HK$105,311
baseline
▲ 0.50% · 4.625%
HK$111,719
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,622/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,244
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$113,201
−HK$2,999/mo
Today · 4.125%
HK$116,200
baseline
▲ 0.50% · 4.625%
HK$122,325
+HK$6,125/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,400/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,106 · Scale 2, in force from 26 Feb 2026)