LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,360
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,491
−HK$1,149/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,991
+HK$2,351/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,450
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,535
−HK$1,100/mo
Today · 4.125%
HK$42,635
baseline
▲ 0.50% · 4.625%
HK$44,883
+HK$2,248/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,270/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$597,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,632
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,989
−HK$1,379/mo
Today · 4.125%
HK$46,368
baseline
▲ 0.50% · 4.625%
HK$49,189
+HK$2,821/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,736/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,540
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,842
−HK$1,320/mo
Today · 4.125%
HK$51,162
baseline
▲ 0.50% · 4.625%
HK$53,859
+HK$2,697/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,324/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$597,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,904
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$52,487
−HK$1,609/mo
Today · 4.125%
HK$54,096
baseline
▲ 0.50% · 4.625%
HK$57,387
+HK$3,291/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$108,192/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,630
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$58,148
−HK$1,541/mo
Today · 4.125%
HK$59,689
baseline
▲ 0.50% · 4.625%
HK$62,836
+HK$3,147/mo
Deposit HK$4.78M · loan HK$11.16M · min. income ≈ HK$119,378/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,447
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,483
−HK$2,069/mo
Today · 4.125%
HK$69,552
baseline
▲ 0.50% · 4.625%
HK$73,784
+HK$4,232/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$139,104/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,810
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,762
−HK$1,981/mo
Today · 4.125%
HK$76,743
baseline
▲ 0.50% · 4.625%
HK$80,789
+HK$4,046/mo
Deposit HK$1.59M · loan HK$14.35M · min. income ≈ HK$153,486/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,955 · Scale 2, in force from 26 Feb 2026)