LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,066
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,779
−HK$1,740/mo
Today · 4.125%
HK$58,519
baseline
▲ 0.50% · 4.625%
HK$62,080
+HK$3,561/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,038/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,260
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,903
−HK$1,667/mo
Today · 4.125%
HK$64,570
baseline
▲ 0.50% · 4.625%
HK$67,973
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,140/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,079
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,134
−HK$2,089/mo
Today · 4.125%
HK$70,223
baseline
▲ 0.50% · 4.625%
HK$74,496
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,446/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,512
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,484
−HK$2,000/mo
Today · 4.125%
HK$77,484
baseline
▲ 0.50% · 4.625%
HK$81,568
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,968/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,092
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,490
−HK$2,436/mo
Today · 4.125%
HK$81,926
baseline
▲ 0.50% · 4.625%
HK$86,912
+HK$4,986/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,852/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,764
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,064
−HK$2,334/mo
Today · 4.125%
HK$90,398
baseline
▲ 0.50% · 4.625%
HK$95,163
+HK$4,765/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,796/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,118
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,202
−HK$3,132/mo
Today · 4.125%
HK$105,334
baseline
▲ 0.50% · 4.625%
HK$111,743
+HK$6,409/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,668/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,268
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,226
−HK$3,000/mo
Today · 4.125%
HK$116,226
baseline
▲ 0.50% · 4.625%
HK$122,352
+HK$6,126/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,452/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,331 · Scale 2, in force from 26 Feb 2026)