LTV · monthly repayment
▼ 0.50% · 3.625%
HK$61,810
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,732
−HK$1,954/mo
Today · 4.125%
HK$65,686
baseline
▲ 0.50% · 4.625%
HK$69,683
+HK$3,997/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,372/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,763
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,607
−HK$1,871/mo
Today · 4.125%
HK$72,478
baseline
▲ 0.50% · 4.625%
HK$76,298
+HK$3,820/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,956/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,172
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,479
−HK$2,344/mo
Today · 4.125%
HK$78,823
baseline
▲ 0.50% · 4.625%
HK$83,619
+HK$4,796/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,646/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,152,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,515
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,728
−HK$2,245/mo
Today · 4.125%
HK$86,973
baseline
▲ 0.50% · 4.625%
HK$91,558
+HK$4,585/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,946/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,152,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,534
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,225
−HK$2,735/mo
Today · 4.125%
HK$91,960
baseline
▲ 0.50% · 4.625%
HK$97,556
+HK$5,596/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,920/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,268
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,850
−HK$2,619/mo
Today · 4.125%
HK$101,469
baseline
▲ 0.50% · 4.625%
HK$106,817
+HK$5,348/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,938/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,257
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,718
−HK$3,516/mo
Today · 4.125%
HK$118,234
baseline
▲ 0.50% · 4.625%
HK$125,429
+HK$7,195/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,468/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,773
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,092
−HK$3,368/mo
Today · 4.125%
HK$130,460
baseline
▲ 0.50% · 4.625%
HK$137,337
+HK$6,877/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,920/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,026 · Scale 2, in force from 26 Feb 2026)