LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,452
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,586
−HK$1,152/mo
Today · 4.125%
HK$38,738
baseline
▲ 0.50% · 4.625%
HK$41,095
+HK$2,357/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,476/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,553
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,641
−HK$1,103/mo
Today · 4.125%
HK$42,744
baseline
▲ 0.50% · 4.625%
HK$44,997
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,488/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,743
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,104
−HK$1,382/mo
Today · 4.125%
HK$46,486
baseline
▲ 0.50% · 4.625%
HK$49,315
+HK$2,829/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,972/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,664
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,969
−HK$1,324/mo
Today · 4.125%
HK$51,293
baseline
▲ 0.50% · 4.625%
HK$53,996
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,586/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,033
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,621
−HK$1,613/mo
Today · 4.125%
HK$54,234
baseline
▲ 0.50% · 4.625%
HK$57,534
+HK$3,300/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$108,468/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,774
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,297
−HK$1,545/mo
Today · 4.125%
HK$59,842
baseline
▲ 0.50% · 4.625%
HK$62,996
+HK$3,154/mo
Deposit HK$4.80M · loan HK$11.19M · min. income ≈ HK$119,684/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$599,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,614
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,655
−HK$2,074/mo
Today · 4.125%
HK$69,729
baseline
▲ 0.50% · 4.625%
HK$73,972
+HK$4,243/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$139,458/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,995
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,953
−HK$1,986/mo
Today · 4.125%
HK$76,939
baseline
▲ 0.50% · 4.625%
HK$80,995
+HK$4,056/mo
Deposit HK$1.60M · loan HK$14.39M · min. income ≈ HK$153,878/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,480 · Scale 2, in force from 26 Feb 2026)