LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,040
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,753
−HK$1,739/mo
Today · 4.125%
HK$58,492
baseline
▲ 0.50% · 4.625%
HK$62,051
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,984/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,232
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,874
−HK$1,666/mo
Today · 4.125%
HK$64,540
baseline
▲ 0.50% · 4.625%
HK$67,942
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,080/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,025,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,049
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,103
−HK$2,087/mo
Today · 4.125%
HK$70,190
baseline
▲ 0.50% · 4.625%
HK$74,461
+HK$4,271/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$140,380/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,478
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,449
−HK$1,999/mo
Today · 4.125%
HK$77,448
baseline
▲ 0.50% · 4.625%
HK$81,531
+HK$4,083/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$154,896/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,057
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,454
−HK$2,435/mo
Today · 4.125%
HK$81,889
baseline
▲ 0.50% · 4.625%
HK$86,872
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,778/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,725
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,024
−HK$2,332/mo
Today · 4.125%
HK$90,356
baseline
▲ 0.50% · 4.625%
HK$95,119
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,712/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,073
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,155
−HK$3,131/mo
Today · 4.125%
HK$105,286
baseline
▲ 0.50% · 4.625%
HK$111,692
+HK$6,406/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$210,572/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,218
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,174
−HK$2,998/mo
Today · 4.125%
HK$116,172
baseline
▲ 0.50% · 4.625%
HK$122,296
+HK$6,124/mo
Deposit HK$2.41M · loan HK$21.72M · min. income ≈ HK$232,344/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,859 · Scale 2, in force from 26 Feb 2026)