LTV · monthly repayment
▼ 0.50% · 3.625%
HK$35,822
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,936
−HK$1,133/mo
Today · 4.125%
HK$38,069
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,316/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,138/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,852
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,921
−HK$1,084/mo
Today · 4.125%
HK$42,005
baseline
▲ 0.50% · 4.625%
HK$44,219
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$84,010/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$589,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,987
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,324
−HK$1,358/mo
Today · 4.125%
HK$45,682
baseline
▲ 0.50% · 4.625%
HK$48,462
+HK$2,780/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$91,364/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,822
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,105
−HK$1,301/mo
Today · 4.125%
HK$50,406
baseline
▲ 0.50% · 4.625%
HK$53,063
+HK$2,657/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$100,812/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,151
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,711
−HK$1,585/mo
Today · 4.125%
HK$53,296
baseline
▲ 0.50% · 4.625%
HK$56,539
+HK$3,243/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,592/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,792
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,289
−HK$1,518/mo
Today · 4.125%
HK$58,807
baseline
▲ 0.50% · 4.625%
HK$61,907
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,614/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,480
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,486
−HK$2,037/mo
Today · 4.125%
HK$68,523
baseline
▲ 0.50% · 4.625%
HK$72,693
+HK$4,170/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,046/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,733
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,657
−HK$1,952/mo
Today · 4.125%
HK$75,609
baseline
▲ 0.50% · 4.625%
HK$79,594
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,218/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,114 · Scale 2, in force from 26 Feb 2026)