LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,999
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,710
−HK$1,738/mo
Today · 4.125%
HK$58,448
baseline
▲ 0.50% · 4.625%
HK$62,004
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,896/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,186
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,827
−HK$1,665/mo
Today · 4.125%
HK$64,492
baseline
▲ 0.50% · 4.625%
HK$67,891
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,984/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,025,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,999
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,052
−HK$2,086/mo
Today · 4.125%
HK$70,138
baseline
▲ 0.50% · 4.625%
HK$74,405
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,276/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,423
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,392
−HK$1,998/mo
Today · 4.125%
HK$77,390
baseline
▲ 0.50% · 4.625%
HK$81,469
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,780/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,999
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,394
−HK$2,433/mo
Today · 4.125%
HK$81,827
baseline
▲ 0.50% · 4.625%
HK$86,806
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,654/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,660
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,958
−HK$2,330/mo
Today · 4.125%
HK$90,288
baseline
▲ 0.50% · 4.625%
HK$95,047
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,576/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,998
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,078
−HK$3,128/mo
Today · 4.125%
HK$105,206
baseline
▲ 0.50% · 4.625%
HK$111,608
+HK$6,402/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,412/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,135
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,088
−HK$2,997/mo
Today · 4.125%
HK$116,085
baseline
▲ 0.50% · 4.625%
HK$122,204
+HK$6,119/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,170/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,088 · Scale 2, in force from 26 Feb 2026)