LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,074
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,787
−HK$1,740/mo
Today · 4.125%
HK$58,527
baseline
▲ 0.50% · 4.625%
HK$62,088
+HK$3,561/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,054/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,269
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,912
−HK$1,667/mo
Today · 4.125%
HK$64,579
baseline
▲ 0.50% · 4.625%
HK$67,983
+HK$3,404/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,158/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,088
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,144
−HK$2,089/mo
Today · 4.125%
HK$70,233
baseline
▲ 0.50% · 4.625%
HK$74,506
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,466/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,523
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,494
−HK$2,001/mo
Today · 4.125%
HK$77,495
baseline
▲ 0.50% · 4.625%
HK$81,580
+HK$4,085/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,990/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,103
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,501
−HK$2,437/mo
Today · 4.125%
HK$81,938
baseline
▲ 0.50% · 4.625%
HK$86,924
+HK$4,986/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,876/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,776
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,077
−HK$2,334/mo
Today · 4.125%
HK$90,411
baseline
▲ 0.50% · 4.625%
HK$95,176
+HK$4,765/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,822/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,133
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$102,216
−HK$3,133/mo
Today · 4.125%
HK$105,349
baseline
▲ 0.50% · 4.625%
HK$111,759
+HK$6,410/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,698/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,284
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$113,242
−HK$3,000/mo
Today · 4.125%
HK$116,242
baseline
▲ 0.50% · 4.625%
HK$122,370
+HK$6,128/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,484/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,477 · Scale 2, in force from 26 Feb 2026)