LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,157
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,872
−HK$1,744/mo
Today · 4.125%
HK$58,616
baseline
▲ 0.50% · 4.625%
HK$62,182
+HK$3,566/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$117,232/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,361
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,007
−HK$1,669/mo
Today · 4.125%
HK$64,676
baseline
▲ 0.50% · 4.625%
HK$68,086
+HK$3,410/mo
Deposit HK$12.09M · loan HK$12.09M · min. income ≈ HK$129,352/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,028,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,188
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,247
−HK$2,092/mo
Today · 4.125%
HK$70,339
baseline
▲ 0.50% · 4.625%
HK$74,619
+HK$4,280/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$140,678/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,634
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,608
−HK$2,004/mo
Today · 4.125%
HK$77,612
baseline
▲ 0.50% · 4.625%
HK$81,703
+HK$4,091/mo
Deposit HK$9.68M · loan HK$14.51M · min. income ≈ HK$155,224/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$1,028,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,219
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,621
−HK$2,441/mo
Today · 4.125%
HK$82,062
baseline
▲ 0.50% · 4.625%
HK$87,055
+HK$4,993/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$164,124/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,028,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,906
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,210
−HK$2,337/mo
Today · 4.125%
HK$90,547
baseline
▲ 0.50% · 4.625%
HK$95,320
+HK$4,773/mo
Deposit HK$7.26M · loan HK$16.93M · min. income ≈ HK$181,094/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$1,028,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,282
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$102,370
−HK$3,138/mo
Today · 4.125%
HK$105,508
baseline
▲ 0.50% · 4.625%
HK$111,928
+HK$6,420/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$211,016/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,450
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,413
−HK$3,005/mo
Today · 4.125%
HK$116,418
baseline
▲ 0.50% · 4.625%
HK$122,554
+HK$6,136/mo
Deposit HK$2.42M · loan HK$21.77M · min. income ≈ HK$232,836/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,025 · Scale 2, in force from 26 Feb 2026)