LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,030
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,742
−HK$1,739/mo
Today · 4.125%
HK$58,481
baseline
▲ 0.50% · 4.625%
HK$62,039
+HK$3,558/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,962/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,221
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,862
−HK$1,666/mo
Today · 4.125%
HK$64,528
baseline
▲ 0.50% · 4.625%
HK$67,929
+HK$3,401/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,056/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,036
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,090
−HK$2,087/mo
Today · 4.125%
HK$70,177
baseline
▲ 0.50% · 4.625%
HK$74,447
+HK$4,270/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,354/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,465
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,435
−HK$1,999/mo
Today · 4.125%
HK$77,434
baseline
▲ 0.50% · 4.625%
HK$81,515
+HK$4,081/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,868/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,042
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,439
−HK$2,434/mo
Today · 4.125%
HK$81,873
baseline
▲ 0.50% · 4.625%
HK$86,855
+HK$4,982/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,746/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,709
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$88,007
−HK$2,332/mo
Today · 4.125%
HK$90,339
baseline
▲ 0.50% · 4.625%
HK$95,101
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,678/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,054
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,135
−HK$3,131/mo
Today · 4.125%
HK$105,266
baseline
▲ 0.50% · 4.625%
HK$111,671
+HK$6,405/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,532/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,197
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,152
−HK$2,999/mo
Today · 4.125%
HK$116,151
baseline
▲ 0.50% · 4.625%
HK$122,273
+HK$6,122/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,302/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,667 · Scale 2, in force from 26 Feb 2026)