LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,095
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,809
−HK$1,741/mo
Today · 4.125%
HK$58,550
baseline
▲ 0.50% · 4.625%
HK$62,113
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,100/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,293
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,937
−HK$1,667/mo
Today · 4.125%
HK$64,604
baseline
▲ 0.50% · 4.625%
HK$68,010
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,208/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,114
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,171
−HK$2,089/mo
Today · 4.125%
HK$70,260
baseline
▲ 0.50% · 4.625%
HK$74,535
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$140,520/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,552
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,524
−HK$2,001/mo
Today · 4.125%
HK$77,525
baseline
▲ 0.50% · 4.625%
HK$81,612
+HK$4,087/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$155,050/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,133
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,533
−HK$2,437/mo
Today · 4.125%
HK$81,970
baseline
▲ 0.50% · 4.625%
HK$86,958
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,940/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,810
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,112
−HK$2,334/mo
Today · 4.125%
HK$90,446
baseline
▲ 0.50% · 4.625%
HK$95,214
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,892/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,172
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$102,256
−HK$3,134/mo
Today · 4.125%
HK$105,390
baseline
▲ 0.50% · 4.625%
HK$111,803
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,780/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,327
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,286
−HK$3,002/mo
Today · 4.125%
HK$116,288
baseline
▲ 0.50% · 4.625%
HK$122,418
+HK$6,130/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,576/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,881 · Scale 2, in force from 26 Feb 2026)