LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,086
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,799
−HK$1,741/mo
Today · 4.125%
HK$58,540
baseline
▲ 0.50% · 4.625%
HK$62,102
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,080/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,282
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,926
−HK$1,667/mo
Today · 4.125%
HK$64,593
baseline
▲ 0.50% · 4.625%
HK$67,998
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,186/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,103
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,159
−HK$2,089/mo
Today · 4.125%
HK$70,248
baseline
▲ 0.50% · 4.625%
HK$74,523
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$140,496/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,539
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,511
−HK$2,001/mo
Today · 4.125%
HK$77,512
baseline
▲ 0.50% · 4.625%
HK$81,598
+HK$4,086/mo
Deposit HK$9.66M · loan HK$14.49M · min. income ≈ HK$155,024/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,120
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,519
−HK$2,437/mo
Today · 4.125%
HK$81,956
baseline
▲ 0.50% · 4.625%
HK$86,943
+HK$4,987/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,912/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,795
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,096
−HK$2,334/mo
Today · 4.125%
HK$90,430
baseline
▲ 0.50% · 4.625%
HK$95,197
+HK$4,767/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,860/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,154
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,239
−HK$3,133/mo
Today · 4.125%
HK$105,372
baseline
▲ 0.50% · 4.625%
HK$111,784
+HK$6,412/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,744/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,308
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,267
−HK$3,001/mo
Today · 4.125%
HK$116,268
baseline
▲ 0.50% · 4.625%
HK$122,396
+HK$6,128/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,536/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,702 · Scale 2, in force from 26 Feb 2026)