LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,059
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,771
−HK$1,740/mo
Today · 4.125%
HK$58,511
baseline
▲ 0.50% · 4.625%
HK$62,072
+HK$3,561/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$1,026,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,252
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,895
−HK$1,667/mo
Today · 4.125%
HK$64,562
baseline
▲ 0.50% · 4.625%
HK$67,965
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,124/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,070
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,126
−HK$2,088/mo
Today · 4.125%
HK$70,214
baseline
▲ 0.50% · 4.625%
HK$74,486
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,428/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,503
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,474
−HK$2,000/mo
Today · 4.125%
HK$77,474
baseline
▲ 0.50% · 4.625%
HK$81,558
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,948/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,082
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,480
−HK$2,436/mo
Today · 4.125%
HK$81,916
baseline
▲ 0.50% · 4.625%
HK$86,900
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,832/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,753
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,053
−HK$2,333/mo
Today · 4.125%
HK$90,386
baseline
▲ 0.50% · 4.625%
HK$95,151
+HK$4,765/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,772/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,106
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,188
−HK$3,133/mo
Today · 4.125%
HK$105,321
baseline
▲ 0.50% · 4.625%
HK$111,729
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,642/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,254
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,211
−HK$3,000/mo
Today · 4.125%
HK$116,211
baseline
▲ 0.50% · 4.625%
HK$122,336
+HK$6,125/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,422/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,199 · Scale 2, in force from 26 Feb 2026)