LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,033
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,745
−HK$1,739/mo
Today · 4.125%
HK$58,484
baseline
▲ 0.50% · 4.625%
HK$62,043
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,968/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,224
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,866
−HK$1,666/mo
Today · 4.125%
HK$64,532
baseline
▲ 0.50% · 4.625%
HK$67,933
+HK$3,401/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,064/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,040
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,094
−HK$2,087/mo
Today · 4.125%
HK$70,181
baseline
▲ 0.50% · 4.625%
HK$74,452
+HK$4,271/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$140,362/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,469
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,439
−HK$1,999/mo
Today · 4.125%
HK$77,438
baseline
▲ 0.50% · 4.625%
HK$81,520
+HK$4,082/mo
Deposit HK$9.65M · loan HK$14.48M · min. income ≈ HK$154,876/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,047
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,443
−HK$2,435/mo
Today · 4.125%
HK$81,878
baseline
▲ 0.50% · 4.625%
HK$86,860
+HK$4,982/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$163,756/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,714
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,012
−HK$2,333/mo
Today · 4.125%
HK$90,345
baseline
▲ 0.50% · 4.625%
HK$95,107
+HK$4,762/mo
Deposit HK$7.24M · loan HK$16.89M · min. income ≈ HK$180,690/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,060
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,141
−HK$3,131/mo
Today · 4.125%
HK$105,272
baseline
▲ 0.50% · 4.625%
HK$111,678
+HK$6,406/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,544/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,203
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,159
−HK$2,998/mo
Today · 4.125%
HK$116,157
baseline
▲ 0.50% · 4.625%
HK$122,280
+HK$6,123/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,314/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,726 · Scale 2, in force from 26 Feb 2026)