LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,093
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,806
−HK$1,741/mo
Today · 4.125%
HK$58,547
baseline
▲ 0.50% · 4.625%
HK$62,110
+HK$3,563/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$1,026,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,290
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,934
−HK$1,667/mo
Today · 4.125%
HK$64,601
baseline
▲ 0.50% · 4.625%
HK$68,007
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,202/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,111
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,168
−HK$2,089/mo
Today · 4.125%
HK$70,257
baseline
▲ 0.50% · 4.625%
HK$74,532
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$140,514/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,548
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,521
−HK$2,001/mo
Today · 4.125%
HK$77,522
baseline
▲ 0.50% · 4.625%
HK$81,608
+HK$4,086/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$155,044/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,130
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,529
−HK$2,437/mo
Today · 4.125%
HK$81,966
baseline
▲ 0.50% · 4.625%
HK$86,954
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,932/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,806
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,107
−HK$2,335/mo
Today · 4.125%
HK$90,442
baseline
▲ 0.50% · 4.625%
HK$95,209
+HK$4,767/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,884/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,167
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,251
−HK$3,134/mo
Today · 4.125%
HK$105,385
baseline
▲ 0.50% · 4.625%
HK$111,798
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$210,770/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,322
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$113,281
−HK$3,001/mo
Today · 4.125%
HK$116,282
baseline
▲ 0.50% · 4.625%
HK$122,412
+HK$6,130/mo
Deposit HK$2.42M · loan HK$21.74M · min. income ≈ HK$232,564/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,832 · Scale 2, in force from 26 Feb 2026)