LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,018
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,729
−HK$1,739/mo
Today · 4.125%
HK$58,468
baseline
▲ 0.50% · 4.625%
HK$62,025
+HK$3,557/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,936/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,207
−HK$3,306/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$1,025,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,021
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,075
−HK$2,086/mo
Today · 4.125%
HK$70,161
baseline
▲ 0.50% · 4.625%
HK$74,431
+HK$4,270/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$1,025,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,448
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,418
−HK$1,998/mo
Today · 4.125%
HK$77,416
baseline
▲ 0.50% · 4.625%
HK$81,497
+HK$4,081/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$1,025,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,025
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,421
−HK$2,434/mo
Today · 4.125%
HK$81,855
baseline
▲ 0.50% · 4.625%
HK$86,836
+HK$4,981/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,710/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,689
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,987
−HK$2,332/mo
Today · 4.125%
HK$90,319
baseline
▲ 0.50% · 4.625%
HK$95,080
+HK$4,761/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,638/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,032
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,112
−HK$3,130/mo
Today · 4.125%
HK$105,242
baseline
▲ 0.50% · 4.625%
HK$111,646
+HK$6,404/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,484/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,172
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$113,127
−HK$2,997/mo
Today · 4.125%
HK$116,124
baseline
▲ 0.50% · 4.625%
HK$122,245
+HK$6,121/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,248/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,435 · Scale 2, in force from 26 Feb 2026)