LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,019
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,731
−HK$1,739/mo
Today · 4.125%
HK$58,470
baseline
▲ 0.50% · 4.625%
HK$62,027
+HK$3,557/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,940/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,208
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,850
−HK$1,665/mo
Today · 4.125%
HK$64,515
baseline
▲ 0.50% · 4.625%
HK$67,916
+HK$3,401/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$129,030/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,023
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,077
−HK$2,086/mo
Today · 4.125%
HK$70,163
baseline
▲ 0.50% · 4.625%
HK$74,433
+HK$4,270/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,326/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,450
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,420
−HK$1,998/mo
Today · 4.125%
HK$77,418
baseline
▲ 0.50% · 4.625%
HK$81,499
+HK$4,081/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,836/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,027
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,423
−HK$2,434/mo
Today · 4.125%
HK$81,857
baseline
▲ 0.50% · 4.625%
HK$86,838
+HK$4,981/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,714/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,692
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,990
−HK$2,331/mo
Today · 4.125%
HK$90,321
baseline
▲ 0.50% · 4.625%
HK$95,082
+HK$4,761/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,642/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,035
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$102,115
−HK$3,130/mo
Today · 4.125%
HK$105,245
baseline
▲ 0.50% · 4.625%
HK$111,649
+HK$6,404/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,490/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,175
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,130
−HK$2,998/mo
Today · 4.125%
HK$116,128
baseline
▲ 0.50% · 4.625%
HK$122,249
+HK$6,121/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,256/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,465 · Scale 2, in force from 26 Feb 2026)