LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,043
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,755
−HK$1,740/mo
Today · 4.125%
HK$58,495
baseline
▲ 0.50% · 4.625%
HK$62,054
+HK$3,559/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$116,990/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,235
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,877
−HK$1,666/mo
Today · 4.125%
HK$64,543
baseline
▲ 0.50% · 4.625%
HK$67,945
+HK$3,402/mo
Deposit HK$12.07M · loan HK$12.07M · min. income ≈ HK$129,086/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,025,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,052
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,106
−HK$2,088/mo
Today · 4.125%
HK$70,194
baseline
▲ 0.50% · 4.625%
HK$74,465
+HK$4,271/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$140,388/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,482
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,453
−HK$1,999/mo
Today · 4.125%
HK$77,452
baseline
▲ 0.50% · 4.625%
HK$81,534
+HK$4,082/mo
Deposit HK$9.66M · loan HK$14.48M · min. income ≈ HK$154,904/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,025,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,060
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,457
−HK$2,436/mo
Today · 4.125%
HK$81,893
baseline
▲ 0.50% · 4.625%
HK$86,876
+HK$4,983/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$163,786/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,729
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,028
−HK$2,333/mo
Today · 4.125%
HK$90,361
baseline
▲ 0.50% · 4.625%
HK$95,124
+HK$4,763/mo
Deposit HK$7.24M · loan HK$16.90M · min. income ≈ HK$180,722/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$1,025,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,078
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$102,159
−HK$3,132/mo
Today · 4.125%
HK$105,291
baseline
▲ 0.50% · 4.625%
HK$111,697
+HK$6,406/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$210,582/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,223
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$113,179
−HK$2,999/mo
Today · 4.125%
HK$116,178
baseline
▲ 0.50% · 4.625%
HK$122,302
+HK$6,124/mo
Deposit HK$2.41M · loan HK$21.73M · min. income ≈ HK$232,356/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,025,908 · Scale 2, in force from 26 Feb 2026)