LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,442
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,575
−HK$1,152/mo
Today · 4.125%
HK$38,727
baseline
▲ 0.50% · 4.625%
HK$41,084
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,454/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,541
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,629
−HK$1,103/mo
Today · 4.125%
HK$42,732
baseline
▲ 0.50% · 4.625%
HK$44,984
+HK$2,252/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,464/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,730
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,091
−HK$1,382/mo
Today · 4.125%
HK$46,473
baseline
▲ 0.50% · 4.625%
HK$49,300
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,946/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,650
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,954
−HK$1,324/mo
Today · 4.125%
HK$51,278
baseline
▲ 0.50% · 4.625%
HK$53,981
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,556/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,019
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,606
−HK$1,612/mo
Today · 4.125%
HK$54,218
baseline
▲ 0.50% · 4.625%
HK$57,517
+HK$3,299/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$108,436/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,758
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,280
−HK$1,544/mo
Today · 4.125%
HK$59,824
baseline
▲ 0.50% · 4.625%
HK$62,978
+HK$3,154/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$119,648/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,595
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,636
−HK$2,073/mo
Today · 4.125%
HK$69,709
baseline
▲ 0.50% · 4.625%
HK$73,950
+HK$4,241/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,418/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,974
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,931
−HK$1,986/mo
Today · 4.125%
HK$76,917
baseline
▲ 0.50% · 4.625%
HK$80,971
+HK$4,054/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,834/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,307 · Scale 2, in force from 26 Feb 2026)