LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,254
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,128
−HK$1,904/mo
Today · 4.125%
HK$64,032
baseline
▲ 0.50% · 4.625%
HK$67,928
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,064/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,032
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,829
−HK$1,824/mo
Today · 4.125%
HK$70,653
baseline
▲ 0.50% · 4.625%
HK$74,377
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,306/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,304
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,554
−HK$2,285/mo
Today · 4.125%
HK$76,839
baseline
▲ 0.50% · 4.625%
HK$81,514
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,678/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,438
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,595
−HK$2,189/mo
Today · 4.125%
HK$84,784
baseline
▲ 0.50% · 4.625%
HK$89,253
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,568/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,355
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,979
−HK$2,666/mo
Today · 4.125%
HK$89,645
baseline
▲ 0.50% · 4.625%
HK$95,100
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,290/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,844
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,361
−HK$2,553/mo
Today · 4.125%
HK$98,914
baseline
▲ 0.50% · 4.625%
HK$104,128
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,828/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,457
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,830
−HK$3,428/mo
Today · 4.125%
HK$115,258
baseline
▲ 0.50% · 4.625%
HK$122,271
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,516/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,657
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,893
−HK$3,283/mo
Today · 4.125%
HK$127,176
baseline
▲ 0.50% · 4.625%
HK$133,879
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,352/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,025 · Scale 2, in force from 26 Feb 2026)