LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,000
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,710
−HK$1,739/mo
Today · 4.125%
HK$58,449
baseline
▲ 0.50% · 4.625%
HK$62,005
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,898/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,187
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,828
−HK$1,664/mo
Today · 4.125%
HK$64,492
baseline
▲ 0.50% · 4.625%
HK$67,892
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,984/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,000
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,053
−HK$2,085/mo
Today · 4.125%
HK$70,138
baseline
▲ 0.50% · 4.625%
HK$74,406
+HK$4,268/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$1,025,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,424
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,393
−HK$1,998/mo
Today · 4.125%
HK$77,391
baseline
▲ 0.50% · 4.625%
HK$81,470
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,782/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,999
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,395
−HK$2,433/mo
Today · 4.125%
HK$81,828
baseline
▲ 0.50% · 4.625%
HK$86,807
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$163,656/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,661
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,959
−HK$2,330/mo
Today · 4.125%
HK$90,289
baseline
▲ 0.50% · 4.625%
HK$95,048
+HK$4,759/mo
Deposit HK$7.24M · loan HK$16.88M · min. income ≈ HK$180,578/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,999
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$102,079
−HK$3,128/mo
Today · 4.125%
HK$105,207
baseline
▲ 0.50% · 4.625%
HK$111,609
+HK$6,402/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,414/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,136
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$113,090
−HK$2,996/mo
Today · 4.125%
HK$116,086
baseline
▲ 0.50% · 4.625%
HK$122,205
+HK$6,119/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,172/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,098 · Scale 2, in force from 26 Feb 2026)