LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,058
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,771
−HK$1,740/mo
Today · 4.125%
HK$58,511
baseline
▲ 0.50% · 4.625%
HK$62,071
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,022/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,251
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,894
−HK$1,667/mo
Today · 4.125%
HK$64,561
baseline
▲ 0.50% · 4.625%
HK$67,964
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,122/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,070
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,125
−HK$2,088/mo
Today · 4.125%
HK$70,213
baseline
▲ 0.50% · 4.625%
HK$74,485
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,426/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,502
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,473
−HK$2,000/mo
Today · 4.125%
HK$77,473
baseline
▲ 0.50% · 4.625%
HK$81,556
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,946/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,081
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,479
−HK$2,436/mo
Today · 4.125%
HK$81,915
baseline
▲ 0.50% · 4.625%
HK$86,899
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,830/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,752
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,052
−HK$2,333/mo
Today · 4.125%
HK$90,385
baseline
▲ 0.50% · 4.625%
HK$95,149
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,770/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,104
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,187
−HK$3,132/mo
Today · 4.125%
HK$105,319
baseline
▲ 0.50% · 4.625%
HK$111,727
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,638/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,252
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,209
−HK$3,000/mo
Today · 4.125%
HK$116,209
baseline
▲ 0.50% · 4.625%
HK$122,335
+HK$6,126/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,418/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,184 · Scale 2, in force from 26 Feb 2026)