LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,070
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,783
−HK$1,740/mo
Today · 4.125%
HK$58,523
baseline
▲ 0.50% · 4.625%
HK$62,084
+HK$3,561/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,046/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,264
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,908
−HK$1,666/mo
Today · 4.125%
HK$64,574
baseline
▲ 0.50% · 4.625%
HK$67,978
+HK$3,404/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,148/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,084
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,139
−HK$2,089/mo
Today · 4.125%
HK$70,228
baseline
▲ 0.50% · 4.625%
HK$74,501
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,456/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,517
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,489
−HK$2,000/mo
Today · 4.125%
HK$77,489
baseline
▲ 0.50% · 4.625%
HK$81,574
+HK$4,085/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,978/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,098
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,496
−HK$2,436/mo
Today · 4.125%
HK$81,932
baseline
▲ 0.50% · 4.625%
HK$86,918
+HK$4,986/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,864/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,770
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,071
−HK$2,333/mo
Today · 4.125%
HK$90,404
baseline
▲ 0.50% · 4.625%
HK$95,169
+HK$4,765/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,808/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,125
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,209
−HK$3,132/mo
Today · 4.125%
HK$105,341
baseline
▲ 0.50% · 4.625%
HK$111,751
+HK$6,410/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,682/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,276
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,234
−HK$3,000/mo
Today · 4.125%
HK$116,234
baseline
▲ 0.50% · 4.625%
HK$122,361
+HK$6,127/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,468/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,403 · Scale 2, in force from 26 Feb 2026)