LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,161
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,970
−HK$1,839/mo
Today · 4.125%
HK$61,809
baseline
▲ 0.50% · 4.625%
HK$65,569
+HK$3,760/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$123,618/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,704
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$66,439
−HK$1,761/mo
Today · 4.125%
HK$68,200
baseline
▲ 0.50% · 4.625%
HK$71,794
+HK$3,594/mo
Deposit HK$12.75M · loan HK$12.75M · min. income ≈ HK$136,400/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,084,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,794
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,965
−HK$2,205/mo
Today · 4.125%
HK$74,170
baseline
▲ 0.50% · 4.625%
HK$78,683
+HK$4,513/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$148,340/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,645
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,727
−HK$2,113/mo
Today · 4.125%
HK$81,840
baseline
▲ 0.50% · 4.625%
HK$86,153
+HK$4,313/mo
Deposit HK$10.20M · loan HK$15.30M · min. income ≈ HK$163,680/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,084,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,426
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,959
−HK$2,573/mo
Today · 4.125%
HK$86,532
baseline
▲ 0.50% · 4.625%
HK$91,797
+HK$5,265/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$173,064/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,585
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,015
−HK$2,464/mo
Today · 4.125%
HK$95,479
baseline
▲ 0.50% · 4.625%
HK$100,512
+HK$5,033/mo
Deposit HK$7.65M · loan HK$17.85M · min. income ≈ HK$190,958/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$1,084,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,690
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,947
−HK$3,308/mo
Today · 4.125%
HK$111,255
baseline
▲ 0.50% · 4.625%
HK$118,025
+HK$6,770/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$222,510/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,084,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,467
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,591
−HK$3,168/mo
Today · 4.125%
HK$122,759
baseline
▲ 0.50% · 4.625%
HK$129,230
+HK$6,471/mo
Deposit HK$2.55M · loan HK$22.96M · min. income ≈ HK$245,518/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,084,025 · Scale 2, in force from 26 Feb 2026)