LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,166
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,069
−HK$1,933/mo
Today · 4.125%
HK$65,002
baseline
▲ 0.50% · 4.625%
HK$68,957
+HK$3,955/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,004/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,046
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,871
−HK$1,852/mo
Today · 4.125%
HK$71,723
baseline
▲ 0.50% · 4.625%
HK$75,503
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,446/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,140,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,399
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,682
−HK$2,320/mo
Today · 4.125%
HK$78,002
baseline
▲ 0.50% · 4.625%
HK$82,748
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$156,004/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,656
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,846
−HK$2,221/mo
Today · 4.125%
HK$86,067
baseline
▲ 0.50% · 4.625%
HK$90,604
+HK$4,537/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,134/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,632
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$88,296
−HK$2,706/mo
Today · 4.125%
HK$91,002
baseline
▲ 0.50% · 4.625%
HK$96,539
+HK$5,537/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,004/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,265
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,820
−HK$2,592/mo
Today · 4.125%
HK$100,412
baseline
▲ 0.50% · 4.625%
HK$105,705
+HK$5,293/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,824/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,099
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,523
−HK$3,480/mo
Today · 4.125%
HK$117,003
baseline
▲ 0.50% · 4.625%
HK$124,122
+HK$7,119/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$234,006/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,484
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,769
−HK$3,332/mo
Today · 4.125%
HK$129,101
baseline
▲ 0.50% · 4.625%
HK$135,906
+HK$6,805/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,202/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,026 · Scale 2, in force from 26 Feb 2026)