LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,061
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,774
−HK$1,740/mo
Today · 4.125%
HK$58,514
baseline
▲ 0.50% · 4.625%
HK$62,074
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,028/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,255
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,898
−HK$1,666/mo
Today · 4.125%
HK$64,564
baseline
▲ 0.50% · 4.625%
HK$67,968
+HK$3,404/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,128/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,073
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,129
−HK$2,088/mo
Today · 4.125%
HK$70,217
baseline
▲ 0.50% · 4.625%
HK$74,489
+HK$4,272/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,434/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,506
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,477
−HK$2,000/mo
Today · 4.125%
HK$77,477
baseline
▲ 0.50% · 4.625%
HK$81,561
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,954/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,086
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,483
−HK$2,437/mo
Today · 4.125%
HK$81,920
baseline
▲ 0.50% · 4.625%
HK$86,904
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,840/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,757
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,057
−HK$2,333/mo
Today · 4.125%
HK$90,390
baseline
▲ 0.50% · 4.625%
HK$95,155
+HK$4,765/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,780/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,110
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,193
−HK$3,132/mo
Today · 4.125%
HK$105,325
baseline
▲ 0.50% · 4.625%
HK$111,734
+HK$6,409/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,650/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,259
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,216
−HK$3,000/mo
Today · 4.125%
HK$116,216
baseline
▲ 0.50% · 4.625%
HK$122,342
+HK$6,126/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,432/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,245 · Scale 2, in force from 26 Feb 2026)