LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,450
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,584
−HK$1,152/mo
Today · 4.125%
HK$38,736
baseline
▲ 0.50% · 4.625%
HK$41,093
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,472/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,550
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,638
−HK$1,103/mo
Today · 4.125%
HK$42,741
baseline
▲ 0.50% · 4.625%
HK$44,994
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,482/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,740
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,101
−HK$1,382/mo
Today · 4.125%
HK$46,483
baseline
▲ 0.50% · 4.625%
HK$49,311
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,966/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,660
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,965
−HK$1,324/mo
Today · 4.125%
HK$51,289
baseline
▲ 0.50% · 4.625%
HK$53,993
+HK$2,704/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,578/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,030
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,617
−HK$1,613/mo
Today · 4.125%
HK$54,230
baseline
▲ 0.50% · 4.625%
HK$57,530
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,460/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,770
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,293
−HK$1,545/mo
Today · 4.125%
HK$59,838
baseline
▲ 0.50% · 4.625%
HK$62,992
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,676/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,610
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,651
−HK$2,073/mo
Today · 4.125%
HK$69,724
baseline
▲ 0.50% · 4.625%
HK$73,967
+HK$4,243/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,448/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,990
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,948
−HK$1,986/mo
Today · 4.125%
HK$76,934
baseline
▲ 0.50% · 4.625%
HK$80,989
+HK$4,055/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,868/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,440 · Scale 2, in force from 26 Feb 2026)