LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,063
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,775
−HK$1,740/mo
Today · 4.125%
HK$58,515
baseline
▲ 0.50% · 4.625%
HK$62,076
+HK$3,561/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,030/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,256
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,899
−HK$1,667/mo
Today · 4.125%
HK$64,566
baseline
▲ 0.50% · 4.625%
HK$67,969
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,132/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,075
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,130
−HK$2,088/mo
Today · 4.125%
HK$70,218
baseline
▲ 0.50% · 4.625%
HK$74,491
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,436/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,508
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,479
−HK$2,000/mo
Today · 4.125%
HK$77,479
baseline
▲ 0.50% · 4.625%
HK$81,563
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,958/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,088
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,485
−HK$2,437/mo
Today · 4.125%
HK$81,922
baseline
▲ 0.50% · 4.625%
HK$86,906
+HK$4,984/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,844/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,759
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,059
−HK$2,333/mo
Today · 4.125%
HK$90,392
baseline
▲ 0.50% · 4.625%
HK$95,157
+HK$4,765/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,784/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,113
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,195
−HK$3,133/mo
Today · 4.125%
HK$105,328
baseline
▲ 0.50% · 4.625%
HK$111,737
+HK$6,409/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,656/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,262
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,219
−HK$3,000/mo
Today · 4.125%
HK$116,219
baseline
▲ 0.50% · 4.625%
HK$122,345
+HK$6,126/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,438/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,269 · Scale 2, in force from 26 Feb 2026)