LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,065
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,778
−HK$1,740/mo
Today · 4.125%
HK$58,518
baseline
▲ 0.50% · 4.625%
HK$62,079
+HK$3,561/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,036/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,259
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,902
−HK$1,667/mo
Today · 4.125%
HK$64,569
baseline
▲ 0.50% · 4.625%
HK$67,973
+HK$3,404/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,138/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,078
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,133
−HK$2,089/mo
Today · 4.125%
HK$70,222
baseline
▲ 0.50% · 4.625%
HK$74,495
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,444/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,511
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,483
−HK$2,000/mo
Today · 4.125%
HK$77,483
baseline
▲ 0.50% · 4.625%
HK$81,567
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,966/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,091
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,489
−HK$2,436/mo
Today · 4.125%
HK$81,925
baseline
▲ 0.50% · 4.625%
HK$86,910
+HK$4,985/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,850/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,763
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,063
−HK$2,334/mo
Today · 4.125%
HK$90,397
baseline
▲ 0.50% · 4.625%
HK$95,162
+HK$4,765/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,794/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,117
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,200
−HK$3,133/mo
Today · 4.125%
HK$105,333
baseline
▲ 0.50% · 4.625%
HK$111,742
+HK$6,409/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,666/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,267
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,224
−HK$3,000/mo
Today · 4.125%
HK$116,224
baseline
▲ 0.50% · 4.625%
HK$122,351
+HK$6,127/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,448/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,317 · Scale 2, in force from 26 Feb 2026)