LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,520
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,656
−HK$1,154/mo
Today · 4.125%
HK$38,810
baseline
▲ 0.50% · 4.625%
HK$41,172
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,620/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,628
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,718
−HK$1,105/mo
Today · 4.125%
HK$42,823
baseline
▲ 0.50% · 4.625%
HK$45,081
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,646/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,824
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,187
−HK$1,385/mo
Today · 4.125%
HK$46,572
baseline
▲ 0.50% · 4.625%
HK$49,406
+HK$2,834/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,144/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,754
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,062
−HK$1,326/mo
Today · 4.125%
HK$51,388
baseline
▲ 0.50% · 4.625%
HK$54,097
+HK$2,709/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,776/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,128
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$52,719
−HK$1,615/mo
Today · 4.125%
HK$54,334
baseline
▲ 0.50% · 4.625%
HK$57,641
+HK$3,307/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$108,668/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,880
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$58,405
−HK$1,548/mo
Today · 4.125%
HK$59,953
baseline
▲ 0.50% · 4.625%
HK$63,113
+HK$3,160/mo
Deposit HK$4.80M · loan HK$11.21M · min. income ≈ HK$119,906/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,736
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,781
−HK$2,078/mo
Today · 4.125%
HK$69,859
baseline
▲ 0.50% · 4.625%
HK$74,109
+HK$4,250/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$139,718/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,131
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,092
−HK$1,990/mo
Today · 4.125%
HK$77,082
baseline
▲ 0.50% · 4.625%
HK$81,145
+HK$4,063/mo
Deposit HK$1.60M · loan HK$14.41M · min. income ≈ HK$154,164/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,594 · Scale 2, in force from 26 Feb 2026)