LTV · monthly repayment
▼ 0.50% · 3.625%
HK$32,534
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,546
−HK$1,028/mo
Today · 4.125%
HK$34,574
baseline
▲ 0.50% · 4.625%
HK$36,678
+HK$2,104/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$69,148/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,194
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,165
−HK$985/mo
Today · 4.125%
HK$38,150
baseline
▲ 0.50% · 4.625%
HK$40,160
+HK$2,010/mo
Deposit HK$7.13M · loan HK$7.13M · min. income ≈ HK$76,300/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$535,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,041
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,256
−HK$1,233/mo
Today · 4.125%
HK$41,489
baseline
▲ 0.50% · 4.625%
HK$44,014
+HK$2,525/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$82,978/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,433
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,598
−HK$1,181/mo
Today · 4.125%
HK$45,779
baseline
▲ 0.50% · 4.625%
HK$48,193
+HK$2,414/mo
Deposit HK$5.71M · loan HK$8.56M · min. income ≈ HK$91,558/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$535,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,548
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,965
−HK$1,439/mo
Today · 4.125%
HK$48,404
baseline
▲ 0.50% · 4.625%
HK$51,350
+HK$2,946/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$96,808/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,672
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,031
−HK$1,378/mo
Today · 4.125%
HK$53,409
baseline
▲ 0.50% · 4.625%
HK$56,225
+HK$2,816/mo
Deposit HK$4.28M · loan HK$9.99M · min. income ≈ HK$106,818/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$535,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,562
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,383
−HK$1,851/mo
Today · 4.125%
HK$62,234
baseline
▲ 0.50% · 4.625%
HK$66,021
+HK$3,787/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$124,468/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,149
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,897
−HK$1,772/mo
Today · 4.125%
HK$68,669
baseline
▲ 0.50% · 4.625%
HK$72,289
+HK$3,620/mo
Deposit HK$1.43M · loan HK$12.84M · min. income ≈ HK$137,338/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$535,044 · Scale 2, in force from 26 Feb 2026)