LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,075
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,788
−HK$1,741/mo
Today · 4.125%
HK$58,529
baseline
▲ 0.50% · 4.625%
HK$62,090
+HK$3,561/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,058/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,271
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,914
−HK$1,667/mo
Today · 4.125%
HK$64,581
baseline
▲ 0.50% · 4.625%
HK$67,985
+HK$3,404/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,162/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,090
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,146
−HK$2,089/mo
Today · 4.125%
HK$70,235
baseline
▲ 0.50% · 4.625%
HK$74,508
+HK$4,273/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,470/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,525
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,497
−HK$2,000/mo
Today · 4.125%
HK$77,497
baseline
▲ 0.50% · 4.625%
HK$81,582
+HK$4,085/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$154,994/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,105
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,504
−HK$2,437/mo
Today · 4.125%
HK$81,941
baseline
▲ 0.50% · 4.625%
HK$86,926
+HK$4,985/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,882/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,779
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,079
−HK$2,334/mo
Today · 4.125%
HK$90,413
baseline
▲ 0.50% · 4.625%
HK$95,179
+HK$4,766/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,826/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,135
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,219
−HK$3,133/mo
Today · 4.125%
HK$105,352
baseline
▲ 0.50% · 4.625%
HK$111,763
+HK$6,411/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,704/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,287
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$113,245
−HK$3,001/mo
Today · 4.125%
HK$116,246
baseline
▲ 0.50% · 4.625%
HK$122,373
+HK$6,127/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,492/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,507 · Scale 2, in force from 26 Feb 2026)