LTV · monthly repayment
▼ 0.50% · 3.625%
HK$64,331
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,332
−HK$2,034/mo
Today · 4.125%
HK$68,366
baseline
▲ 0.50% · 4.625%
HK$72,525
+HK$4,159/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,732/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,568
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,487
−HK$1,948/mo
Today · 4.125%
HK$75,435
baseline
▲ 0.50% · 4.625%
HK$79,411
+HK$3,976/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,870/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,198
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,599
−HK$2,440/mo
Today · 4.125%
HK$82,039
baseline
▲ 0.50% · 4.625%
HK$87,030
+HK$4,991/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,078/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,199,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,882
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,185
−HK$2,337/mo
Today · 4.125%
HK$90,522
baseline
▲ 0.50% · 4.625%
HK$95,293
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,044/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,199,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,064
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,865
−HK$2,847/mo
Today · 4.125%
HK$95,712
baseline
▲ 0.50% · 4.625%
HK$101,536
+HK$5,824/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,424/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,195
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,882
−HK$2,726/mo
Today · 4.125%
HK$105,608
baseline
▲ 0.50% · 4.625%
HK$111,175
+HK$5,567/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,216/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,796
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,398
−HK$3,660/mo
Today · 4.125%
HK$123,058
baseline
▲ 0.50% · 4.625%
HK$130,546
+HK$7,488/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,116/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,822
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,277
−HK$3,505/mo
Today · 4.125%
HK$135,782
baseline
▲ 0.50% · 4.625%
HK$142,940
+HK$7,158/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,564/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,025 · Scale 2, in force from 26 Feb 2026)