LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,078
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,791
−HK$1,741/mo
Today · 4.125%
HK$58,532
baseline
▲ 0.50% · 4.625%
HK$62,094
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,064/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,274
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,917
−HK$1,667/mo
Today · 4.125%
HK$64,584
baseline
▲ 0.50% · 4.625%
HK$67,989
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,168/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,026,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,094
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,150
−HK$2,088/mo
Today · 4.125%
HK$70,238
baseline
▲ 0.50% · 4.625%
HK$74,512
+HK$4,274/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,476/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,529
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,501
−HK$2,000/mo
Today · 4.125%
HK$77,501
baseline
▲ 0.50% · 4.625%
HK$81,586
+HK$4,085/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$155,002/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,109
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,508
−HK$2,437/mo
Today · 4.125%
HK$81,945
baseline
▲ 0.50% · 4.625%
HK$86,931
+HK$4,986/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,890/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,783
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,084
−HK$2,334/mo
Today · 4.125%
HK$90,418
baseline
▲ 0.50% · 4.625%
HK$95,184
+HK$4,766/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,836/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,141
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,224
−HK$3,134/mo
Today · 4.125%
HK$105,358
baseline
▲ 0.50% · 4.625%
HK$111,768
+HK$6,410/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,716/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,293
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$113,251
−HK$3,001/mo
Today · 4.125%
HK$116,252
baseline
▲ 0.50% · 4.625%
HK$122,380
+HK$6,128/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,504/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,560 · Scale 2, in force from 26 Feb 2026)