LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,995
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,706
−HK$1,738/mo
Today · 4.125%
HK$58,444
baseline
▲ 0.50% · 4.625%
HK$62,000
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,888/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,182
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,822
−HK$1,665/mo
Today · 4.125%
HK$64,487
baseline
▲ 0.50% · 4.625%
HK$67,886
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,974/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,994
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,047
−HK$2,086/mo
Today · 4.125%
HK$70,133
baseline
▲ 0.50% · 4.625%
HK$74,400
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,266/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,418
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,387
−HK$1,997/mo
Today · 4.125%
HK$77,384
baseline
▲ 0.50% · 4.625%
HK$81,463
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,768/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,993
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,388
−HK$2,433/mo
Today · 4.125%
HK$81,821
baseline
▲ 0.50% · 4.625%
HK$86,800
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,642/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,654
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,951
−HK$2,331/mo
Today · 4.125%
HK$90,282
baseline
▲ 0.50% · 4.625%
HK$95,041
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,564/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,991
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,071
−HK$3,128/mo
Today · 4.125%
HK$105,199
baseline
▲ 0.50% · 4.625%
HK$111,600
+HK$6,401/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,398/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,127
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,080
−HK$2,997/mo
Today · 4.125%
HK$116,077
baseline
▲ 0.50% · 4.625%
HK$122,195
+HK$6,118/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,154/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,015 · Scale 2, in force from 26 Feb 2026)