LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,468
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,349
−HK$1,911/mo
Today · 4.125%
HK$64,260
baseline
▲ 0.50% · 4.625%
HK$68,170
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,520/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,270
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,075
−HK$1,830/mo
Today · 4.125%
HK$70,905
baseline
▲ 0.50% · 4.625%
HK$74,642
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,810/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,562
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,819
−HK$2,293/mo
Today · 4.125%
HK$77,112
baseline
▲ 0.50% · 4.625%
HK$81,804
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,224/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,725
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,890
−HK$2,196/mo
Today · 4.125%
HK$85,086
baseline
▲ 0.50% · 4.625%
HK$89,571
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,172/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,656
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,289
−HK$2,675/mo
Today · 4.125%
HK$89,964
baseline
▲ 0.50% · 4.625%
HK$95,438
+HK$5,474/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$179,928/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,179
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,704
−HK$2,563/mo
Today · 4.125%
HK$99,267
baseline
▲ 0.50% · 4.625%
HK$104,499
+HK$5,232/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$198,534/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,843
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,229
−HK$3,439/mo
Today · 4.125%
HK$115,668
baseline
▲ 0.50% · 4.625%
HK$122,707
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,336/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,087
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,334
−HK$3,295/mo
Today · 4.125%
HK$127,629
baseline
▲ 0.50% · 4.625%
HK$134,356
+HK$6,727/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,258/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,025 · Scale 2, in force from 26 Feb 2026)