LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,067
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,779
−HK$1,741/mo
Today · 4.125%
HK$58,520
baseline
▲ 0.50% · 4.625%
HK$62,080
+HK$3,560/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$117,040/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,261
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,904
−HK$1,667/mo
Today · 4.125%
HK$64,571
baseline
▲ 0.50% · 4.625%
HK$67,974
+HK$3,403/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,142/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,080
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,135
−HK$2,089/mo
Today · 4.125%
HK$70,224
baseline
▲ 0.50% · 4.625%
HK$74,497
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,448/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,513
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,485
−HK$2,000/mo
Today · 4.125%
HK$77,485
baseline
▲ 0.50% · 4.625%
HK$81,569
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,970/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,093
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,491
−HK$2,437/mo
Today · 4.125%
HK$81,928
baseline
▲ 0.50% · 4.625%
HK$86,913
+HK$4,985/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,856/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,765
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,066
−HK$2,333/mo
Today · 4.125%
HK$90,399
baseline
▲ 0.50% · 4.625%
HK$95,164
+HK$4,765/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,798/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,120
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,203
−HK$3,132/mo
Today · 4.125%
HK$105,335
baseline
▲ 0.50% · 4.625%
HK$111,745
+HK$6,410/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,670/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,270
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,227
−HK$3,000/mo
Today · 4.125%
HK$116,227
baseline
▲ 0.50% · 4.625%
HK$122,354
+HK$6,127/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,454/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,344 · Scale 2, in force from 26 Feb 2026)