LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,005
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,716
−HK$1,738/mo
Today · 4.125%
HK$58,454
baseline
▲ 0.50% · 4.625%
HK$62,011
+HK$3,557/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,908/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,192
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,834
−HK$1,664/mo
Today · 4.125%
HK$64,498
baseline
▲ 0.50% · 4.625%
HK$67,898
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,996/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,006
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,059
−HK$2,086/mo
Today · 4.125%
HK$70,145
baseline
▲ 0.50% · 4.625%
HK$74,413
+HK$4,268/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,290/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,431
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,400
−HK$1,998/mo
Today · 4.125%
HK$77,398
baseline
▲ 0.50% · 4.625%
HK$81,478
+HK$4,080/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,796/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,007
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,402
−HK$2,434/mo
Today · 4.125%
HK$81,836
baseline
▲ 0.50% · 4.625%
HK$86,815
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,672/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,669
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,967
−HK$2,331/mo
Today · 4.125%
HK$90,298
baseline
▲ 0.50% · 4.625%
HK$95,058
+HK$4,760/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,596/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,009
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,089
−HK$3,129/mo
Today · 4.125%
HK$105,218
baseline
▲ 0.50% · 4.625%
HK$111,620
+HK$6,402/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,436/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,146
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,100
−HK$2,997/mo
Today · 4.125%
HK$116,097
baseline
▲ 0.50% · 4.625%
HK$122,217
+HK$6,120/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,194/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,196 · Scale 2, in force from 26 Feb 2026)