LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,092
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,805
−HK$1,742/mo
Today · 4.125%
HK$58,547
baseline
▲ 0.50% · 4.625%
HK$62,109
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,094/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,289
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,933
−HK$1,667/mo
Today · 4.125%
HK$64,600
baseline
▲ 0.50% · 4.625%
HK$68,006
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,200/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,110
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,167
−HK$2,089/mo
Today · 4.125%
HK$70,256
baseline
▲ 0.50% · 4.625%
HK$74,531
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$140,512/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,547
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,519
−HK$2,001/mo
Today · 4.125%
HK$77,520
baseline
▲ 0.50% · 4.625%
HK$81,607
+HK$4,087/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$155,040/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,129
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,528
−HK$2,437/mo
Today · 4.125%
HK$81,965
baseline
▲ 0.50% · 4.625%
HK$86,953
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,930/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,805
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,106
−HK$2,334/mo
Today · 4.125%
HK$90,440
baseline
▲ 0.50% · 4.625%
HK$95,208
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,880/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,026,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,165
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,250
−HK$3,134/mo
Today · 4.125%
HK$105,384
baseline
▲ 0.50% · 4.625%
HK$111,796
+HK$6,412/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,768/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,320
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,279
−HK$3,002/mo
Today · 4.125%
HK$116,281
baseline
▲ 0.50% · 4.625%
HK$122,410
+HK$6,129/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,562/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,816 · Scale 2, in force from 26 Feb 2026)