LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,063
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,776
−HK$1,740/mo
Today · 4.125%
HK$58,516
baseline
▲ 0.50% · 4.625%
HK$62,076
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,032/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,257
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,900
−HK$1,666/mo
Today · 4.125%
HK$64,566
baseline
▲ 0.50% · 4.625%
HK$67,970
+HK$3,404/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$1,026,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,075
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,131
−HK$2,088/mo
Today · 4.125%
HK$70,219
baseline
▲ 0.50% · 4.625%
HK$74,492
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,438/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,508
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,480
−HK$2,000/mo
Today · 4.125%
HK$77,480
baseline
▲ 0.50% · 4.625%
HK$81,564
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,960/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,088
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,486
−HK$2,436/mo
Today · 4.125%
HK$81,922
baseline
▲ 0.50% · 4.625%
HK$86,907
+HK$4,985/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$1,026,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,760
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,060
−HK$2,333/mo
Today · 4.125%
HK$90,393
baseline
▲ 0.50% · 4.625%
HK$95,158
+HK$4,765/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,786/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,113
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,196
−HK$3,133/mo
Today · 4.125%
HK$105,329
baseline
▲ 0.50% · 4.625%
HK$111,738
+HK$6,409/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,658/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,262
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,220
−HK$3,000/mo
Today · 4.125%
HK$116,220
baseline
▲ 0.50% · 4.625%
HK$122,346
+HK$6,126/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,440/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,277 · Scale 2, in force from 26 Feb 2026)