LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,410
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,543
−HK$1,150/mo
Today · 4.125%
HK$38,693
baseline
▲ 0.50% · 4.625%
HK$41,048
+HK$2,355/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,386/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,506
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,592
−HK$1,102/mo
Today · 4.125%
HK$42,694
baseline
▲ 0.50% · 4.625%
HK$44,945
+HK$2,251/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,388/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,692
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,051
−HK$1,381/mo
Today · 4.125%
HK$46,432
baseline
▲ 0.50% · 4.625%
HK$49,257
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,864/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,607
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,910
−HK$1,323/mo
Today · 4.125%
HK$51,233
baseline
▲ 0.50% · 4.625%
HK$53,933
+HK$2,700/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,466/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,974
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,560
−HK$1,610/mo
Today · 4.125%
HK$54,170
baseline
▲ 0.50% · 4.625%
HK$57,467
+HK$3,297/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,340/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,708
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,229
−HK$1,543/mo
Today · 4.125%
HK$59,772
baseline
▲ 0.50% · 4.625%
HK$62,922
+HK$3,150/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,544/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,538
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,577
−HK$2,071/mo
Today · 4.125%
HK$69,648
baseline
▲ 0.50% · 4.625%
HK$73,886
+HK$4,238/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,296/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,910
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,866
−HK$1,983/mo
Today · 4.125%
HK$76,849
baseline
▲ 0.50% · 4.625%
HK$80,900
+HK$4,051/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,698/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,781 · Scale 2, in force from 26 Feb 2026)