LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,068
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,781
−HK$1,740/mo
Today · 4.125%
HK$58,521
baseline
▲ 0.50% · 4.625%
HK$62,082
+HK$3,561/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,042/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,263
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,906
−HK$1,667/mo
Today · 4.125%
HK$64,573
baseline
▲ 0.50% · 4.625%
HK$67,976
+HK$3,403/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,146/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,082
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,137
−HK$2,089/mo
Today · 4.125%
HK$70,226
baseline
▲ 0.50% · 4.625%
HK$74,499
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,452/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,515
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,487
−HK$2,000/mo
Today · 4.125%
HK$77,487
baseline
▲ 0.50% · 4.625%
HK$81,572
+HK$4,085/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,974/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,096
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,494
−HK$2,436/mo
Today · 4.125%
HK$81,930
baseline
▲ 0.50% · 4.625%
HK$86,915
+HK$4,985/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,860/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,768
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,068
−HK$2,334/mo
Today · 4.125%
HK$90,402
baseline
▲ 0.50% · 4.625%
HK$95,167
+HK$4,765/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,804/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,123
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,206
−HK$3,133/mo
Today · 4.125%
HK$105,339
baseline
▲ 0.50% · 4.625%
HK$111,748
+HK$6,409/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,678/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,273
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,231
−HK$3,000/mo
Today · 4.125%
HK$116,231
baseline
▲ 0.50% · 4.625%
HK$122,358
+HK$6,127/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,462/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,376 · Scale 2, in force from 26 Feb 2026)