LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,098
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,812
−HK$1,741/mo
Today · 4.125%
HK$58,553
baseline
▲ 0.50% · 4.625%
HK$62,116
+HK$3,563/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$117,106/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,296
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,940
−HK$1,668/mo
Today · 4.125%
HK$64,608
baseline
▲ 0.50% · 4.625%
HK$68,014
+HK$3,406/mo
Deposit HK$12.08M · loan HK$12.08M · min. income ≈ HK$129,216/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,026,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,118
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,175
−HK$2,089/mo
Today · 4.125%
HK$70,264
baseline
▲ 0.50% · 4.625%
HK$74,540
+HK$4,276/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$140,528/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,556
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,528
−HK$2,002/mo
Today · 4.125%
HK$77,530
baseline
▲ 0.50% · 4.625%
HK$81,616
+HK$4,086/mo
Deposit HK$9.67M · loan HK$14.50M · min. income ≈ HK$155,060/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$1,026,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,138
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,537
−HK$2,438/mo
Today · 4.125%
HK$81,975
baseline
▲ 0.50% · 4.625%
HK$86,963
+HK$4,988/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$163,950/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,815
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,116
−HK$2,335/mo
Today · 4.125%
HK$90,451
baseline
▲ 0.50% · 4.625%
HK$95,219
+HK$4,768/mo
Deposit HK$7.25M · loan HK$16.91M · min. income ≈ HK$180,902/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,026,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,177
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$102,262
−HK$3,134/mo
Today · 4.125%
HK$105,396
baseline
▲ 0.50% · 4.625%
HK$111,809
+HK$6,413/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$210,792/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,333
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$113,292
−HK$3,002/mo
Today · 4.125%
HK$116,294
baseline
▲ 0.50% · 4.625%
HK$122,424
+HK$6,130/mo
Deposit HK$2.42M · loan HK$21.75M · min. income ≈ HK$232,588/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,026,937 · Scale 2, in force from 26 Feb 2026)