LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,514
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,650
−HK$1,154/mo
Today · 4.125%
HK$38,804
baseline
▲ 0.50% · 4.625%
HK$41,165
+HK$2,361/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,608/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,622
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,711
−HK$1,105/mo
Today · 4.125%
HK$42,816
baseline
▲ 0.50% · 4.625%
HK$45,073
+HK$2,257/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,632/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,817
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,180
−HK$1,385/mo
Today · 4.125%
HK$46,565
baseline
▲ 0.50% · 4.625%
HK$49,398
+HK$2,833/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,130/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,746
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,053
−HK$1,327/mo
Today · 4.125%
HK$51,380
baseline
▲ 0.50% · 4.625%
HK$54,088
+HK$2,708/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,760/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,120
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,710
−HK$1,616/mo
Today · 4.125%
HK$54,326
baseline
▲ 0.50% · 4.625%
HK$57,631
+HK$3,305/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,652/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,870
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,396
−HK$1,547/mo
Today · 4.125%
HK$59,943
baseline
▲ 0.50% · 4.625%
HK$63,103
+HK$3,160/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,886/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$600,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,726
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,770
−HK$2,077/mo
Today · 4.125%
HK$69,847
baseline
▲ 0.50% · 4.625%
HK$74,097
+HK$4,250/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,694/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,119
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,080
−HK$1,990/mo
Today · 4.125%
HK$77,070
baseline
▲ 0.50% · 4.625%
HK$81,132
+HK$4,062/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,140/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,497 · Scale 2, in force from 26 Feb 2026)