LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,414
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,547
−HK$1,150/mo
Today · 4.125%
HK$38,697
baseline
▲ 0.50% · 4.625%
HK$41,052
+HK$2,355/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,394/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,510
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,597
−HK$1,102/mo
Today · 4.125%
HK$42,699
baseline
▲ 0.50% · 4.625%
HK$44,949
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,398/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,697
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,056
−HK$1,381/mo
Today · 4.125%
HK$46,437
baseline
▲ 0.50% · 4.625%
HK$49,262
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,874/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,612
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,916
−HK$1,322/mo
Today · 4.125%
HK$51,238
baseline
▲ 0.50% · 4.625%
HK$53,939
+HK$2,701/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,476/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,979
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,565
−HK$1,611/mo
Today · 4.125%
HK$54,176
baseline
▲ 0.50% · 4.625%
HK$57,473
+HK$3,297/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,352/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,714
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$58,235
−HK$1,543/mo
Today · 4.125%
HK$59,778
baseline
▲ 0.50% · 4.625%
HK$62,929
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,556/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,545
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,584
−HK$2,071/mo
Today · 4.125%
HK$69,655
baseline
▲ 0.50% · 4.625%
HK$73,894
+HK$4,239/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,310/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,918
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,874
−HK$1,984/mo
Today · 4.125%
HK$76,858
baseline
▲ 0.50% · 4.625%
HK$80,909
+HK$4,051/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,716/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,846 · Scale 2, in force from 26 Feb 2026)