LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,097
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,810
−HK$1,742/mo
Today · 4.125%
HK$58,552
baseline
▲ 0.50% · 4.625%
HK$62,114
+HK$3,562/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,104/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,294
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,938
−HK$1,668/mo
Today · 4.125%
HK$64,606
baseline
▲ 0.50% · 4.625%
HK$68,011
+HK$3,405/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,212/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,116
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,172
−HK$2,090/mo
Today · 4.125%
HK$70,262
baseline
▲ 0.50% · 4.625%
HK$74,537
+HK$4,275/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$140,524/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,553
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,526
−HK$2,001/mo
Today · 4.125%
HK$77,527
baseline
▲ 0.50% · 4.625%
HK$81,614
+HK$4,087/mo
Deposit HK$9.66M · loan HK$14.50M · min. income ≈ HK$155,054/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,135
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,534
−HK$2,438/mo
Today · 4.125%
HK$81,972
baseline
▲ 0.50% · 4.625%
HK$86,960
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,944/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,812
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,114
−HK$2,334/mo
Today · 4.125%
HK$90,448
baseline
▲ 0.50% · 4.625%
HK$95,216
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,896/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,174
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,259
−HK$3,134/mo
Today · 4.125%
HK$105,393
baseline
▲ 0.50% · 4.625%
HK$111,806
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,786/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,330
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,289
−HK$3,002/mo
Today · 4.125%
HK$116,291
baseline
▲ 0.50% · 4.625%
HK$122,420
+HK$6,129/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,582/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,904 · Scale 2, in force from 26 Feb 2026)