LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,060
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,773
−HK$1,740/mo
Today · 4.125%
HK$58,513
baseline
▲ 0.50% · 4.625%
HK$62,073
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,026/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,254
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,897
−HK$1,666/mo
Today · 4.125%
HK$64,563
baseline
▲ 0.50% · 4.625%
HK$67,967
+HK$3,404/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,126/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,072
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,128
−HK$2,088/mo
Today · 4.125%
HK$70,216
baseline
▲ 0.50% · 4.625%
HK$74,488
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,432/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,505
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,476
−HK$2,000/mo
Today · 4.125%
HK$77,476
baseline
▲ 0.50% · 4.625%
HK$81,560
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,952/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,026,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,084
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,482
−HK$2,436/mo
Today · 4.125%
HK$81,918
baseline
▲ 0.50% · 4.625%
HK$86,903
+HK$4,985/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,836/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,756
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,056
−HK$2,333/mo
Today · 4.125%
HK$90,389
baseline
▲ 0.50% · 4.625%
HK$95,153
+HK$4,764/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,778/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,109
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,191
−HK$3,133/mo
Today · 4.125%
HK$105,324
baseline
▲ 0.50% · 4.625%
HK$111,732
+HK$6,408/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,648/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,257
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,214
−HK$3,000/mo
Today · 4.125%
HK$116,214
baseline
▲ 0.50% · 4.625%
HK$122,340
+HK$6,126/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,428/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,229 · Scale 2, in force from 26 Feb 2026)