LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,012
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,723
−HK$1,738/mo
Today · 4.125%
HK$58,461
baseline
▲ 0.50% · 4.625%
HK$62,018
+HK$3,557/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,922/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,200
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,841
−HK$1,665/mo
Today · 4.125%
HK$64,506
baseline
▲ 0.50% · 4.625%
HK$67,906
+HK$3,400/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$129,012/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,014
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,067
−HK$2,086/mo
Today · 4.125%
HK$70,153
baseline
▲ 0.50% · 4.625%
HK$74,422
+HK$4,269/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,306/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,440
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,409
−HK$1,998/mo
Today · 4.125%
HK$77,407
baseline
▲ 0.50% · 4.625%
HK$81,488
+HK$4,081/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,814/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,016
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,412
−HK$2,434/mo
Today · 4.125%
HK$81,846
baseline
▲ 0.50% · 4.625%
HK$86,826
+HK$4,980/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,692/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,680
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,978
−HK$2,331/mo
Today · 4.125%
HK$90,309
baseline
▲ 0.50% · 4.625%
HK$95,069
+HK$4,760/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,618/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,021
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$102,101
−HK$3,129/mo
Today · 4.125%
HK$105,230
baseline
▲ 0.50% · 4.625%
HK$111,633
+HK$6,403/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,460/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,160
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$113,114
−HK$2,997/mo
Today · 4.125%
HK$116,111
baseline
▲ 0.50% · 4.625%
HK$122,232
+HK$6,121/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,222/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,320 · Scale 2, in force from 26 Feb 2026)