LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,023
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,734
−HK$1,739/mo
Today · 4.125%
HK$58,473
baseline
▲ 0.50% · 4.625%
HK$62,031
+HK$3,558/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,946/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,212
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,854
−HK$1,665/mo
Today · 4.125%
HK$64,519
baseline
▲ 0.50% · 4.625%
HK$67,920
+HK$3,401/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,038/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,027
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,081
−HK$2,087/mo
Today · 4.125%
HK$70,168
baseline
▲ 0.50% · 4.625%
HK$74,437
+HK$4,269/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,336/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,455
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,425
−HK$1,998/mo
Today · 4.125%
HK$77,423
baseline
▲ 0.50% · 4.625%
HK$81,504
+HK$4,081/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,846/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,032
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,428
−HK$2,434/mo
Today · 4.125%
HK$81,862
baseline
▲ 0.50% · 4.625%
HK$86,844
+HK$4,982/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,724/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,697
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,996
−HK$2,331/mo
Today · 4.125%
HK$90,327
baseline
▲ 0.50% · 4.625%
HK$95,088
+HK$4,761/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,654/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,025,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,041
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$102,122
−HK$3,130/mo
Today · 4.125%
HK$105,252
baseline
▲ 0.50% · 4.625%
HK$111,656
+HK$6,404/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,504/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,182
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$113,137
−HK$2,998/mo
Today · 4.125%
HK$116,135
baseline
▲ 0.50% · 4.625%
HK$122,257
+HK$6,122/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,270/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,529 · Scale 2, in force from 26 Feb 2026)