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$1,026,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,265
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,908
−HK$1,667/mo
Today · 4.125%
HK$64,575
baseline
▲ 0.50% · 4.625%
HK$67,979
+HK$3,404/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,150/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,084
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,140
−HK$2,088/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$1,026,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,518
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,490
−HK$2,000/mo
Today · 4.125%
HK$77,490
baseline
▲ 0.50% · 4.625%
HK$81,574
+HK$4,084/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,980/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,098
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,496
−HK$2,437/mo
Today · 4.125%
HK$81,933
baseline
▲ 0.50% · 4.625%
HK$86,918
+HK$4,985/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,866/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,771
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,071
−HK$2,334/mo
Today · 4.125%
HK$90,405
baseline
▲ 0.50% · 4.625%
HK$95,170
+HK$4,765/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,810/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,126
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,210
−HK$3,132/mo
Today · 4.125%
HK$105,342
baseline
▲ 0.50% · 4.625%
HK$111,752
+HK$6,410/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,684/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,277
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,234
−HK$3,001/mo
Today · 4.125%
HK$116,235
baseline
▲ 0.50% · 4.625%
HK$122,362
+HK$6,127/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,470/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,411 · Scale 2, in force from 26 Feb 2026)