LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,006
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,717
−HK$1,738/mo
Today · 4.125%
HK$58,455
baseline
▲ 0.50% · 4.625%
HK$62,012
+HK$3,557/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,910/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,194
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,835
−HK$1,665/mo
Today · 4.125%
HK$64,500
baseline
▲ 0.50% · 4.625%
HK$67,900
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$129,000/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,007
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,060
−HK$2,086/mo
Today · 4.125%
HK$70,146
baseline
▲ 0.50% · 4.625%
HK$74,415
+HK$4,269/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,292/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,432
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,402
−HK$1,998/mo
Today · 4.125%
HK$77,400
baseline
▲ 0.50% · 4.625%
HK$81,480
+HK$4,080/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,800/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,025,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,008
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,404
−HK$2,434/mo
Today · 4.125%
HK$81,838
baseline
▲ 0.50% · 4.625%
HK$86,817
+HK$4,979/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,676/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,671
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,969
−HK$2,331/mo
Today · 4.125%
HK$90,300
baseline
▲ 0.50% · 4.625%
HK$95,060
+HK$4,760/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,600/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,011
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,091
−HK$3,129/mo
Today · 4.125%
HK$105,220
baseline
▲ 0.50% · 4.625%
HK$111,622
+HK$6,402/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,440/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,149
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,103
−HK$2,997/mo
Today · 4.125%
HK$116,100
baseline
▲ 0.50% · 4.625%
HK$122,219
+HK$6,119/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,200/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,217 · Scale 2, in force from 26 Feb 2026)