LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,017
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,729
−HK$1,738/mo
Today · 4.125%
HK$58,467
baseline
▲ 0.50% · 4.625%
HK$62,025
+HK$3,558/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,934/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,206
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,848
−HK$1,665/mo
Today · 4.125%
HK$64,513
baseline
▲ 0.50% · 4.625%
HK$67,914
+HK$3,401/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$129,026/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,021
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,074
−HK$2,087/mo
Today · 4.125%
HK$70,161
baseline
▲ 0.50% · 4.625%
HK$74,430
+HK$4,269/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,322/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,447
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,417
−HK$1,999/mo
Today · 4.125%
HK$77,416
baseline
▲ 0.50% · 4.625%
HK$81,496
+HK$4,080/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,832/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,024
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,420
−HK$2,434/mo
Today · 4.125%
HK$81,854
baseline
▲ 0.50% · 4.625%
HK$86,835
+HK$4,981/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,708/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,689
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,987
−HK$2,331/mo
Today · 4.125%
HK$90,318
baseline
▲ 0.50% · 4.625%
HK$95,079
+HK$4,761/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,636/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,031
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,112
−HK$3,129/mo
Today · 4.125%
HK$105,241
baseline
▲ 0.50% · 4.625%
HK$111,645
+HK$6,404/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$210,482/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,171
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,126
−HK$2,997/mo
Today · 4.125%
HK$116,123
baseline
▲ 0.50% · 4.625%
HK$122,244
+HK$6,121/mo
Deposit HK$2.41M · loan HK$21.71M · min. income ≈ HK$232,246/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,428 · Scale 2, in force from 26 Feb 2026)