LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,997
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,708
−HK$1,738/mo
Today · 4.125%
HK$58,446
baseline
▲ 0.50% · 4.625%
HK$62,002
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,892/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,184
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,824
−HK$1,665/mo
Today · 4.125%
HK$64,489
baseline
▲ 0.50% · 4.625%
HK$67,888
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,978/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,996
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,049
−HK$2,086/mo
Today · 4.125%
HK$70,135
baseline
▲ 0.50% · 4.625%
HK$74,402
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,270/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,420
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,389
−HK$1,998/mo
Today · 4.125%
HK$77,387
baseline
▲ 0.50% · 4.625%
HK$81,466
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,774/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,996
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,391
−HK$2,433/mo
Today · 4.125%
HK$81,824
baseline
▲ 0.50% · 4.625%
HK$86,803
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,648/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,657
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,954
−HK$2,331/mo
Today · 4.125%
HK$90,285
baseline
▲ 0.50% · 4.625%
HK$95,044
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,570/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,995
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,074
−HK$3,128/mo
Today · 4.125%
HK$105,202
baseline
▲ 0.50% · 4.625%
HK$111,604
+HK$6,402/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,404/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,130
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,084
−HK$2,996/mo
Today · 4.125%
HK$116,080
baseline
▲ 0.50% · 4.625%
HK$122,199
+HK$6,119/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,160/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,048 · Scale 2, in force from 26 Feb 2026)