LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,534
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,671
−HK$1,154/mo
Today · 4.125%
HK$38,825
baseline
▲ 0.50% · 4.625%
HK$41,188
+HK$2,363/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,650/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,644
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,734
−HK$1,106/mo
Today · 4.125%
HK$42,840
baseline
▲ 0.50% · 4.625%
HK$45,098
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,680/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,841
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,205
−HK$1,385/mo
Today · 4.125%
HK$46,590
baseline
▲ 0.50% · 4.625%
HK$49,425
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,180/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,773
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,081
−HK$1,327/mo
Today · 4.125%
HK$51,408
baseline
▲ 0.50% · 4.625%
HK$54,118
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,816/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,148
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,739
−HK$1,616/mo
Today · 4.125%
HK$54,355
baseline
▲ 0.50% · 4.625%
HK$57,663
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,710/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,902
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,428
−HK$1,548/mo
Today · 4.125%
HK$59,976
baseline
▲ 0.50% · 4.625%
HK$63,137
+HK$3,161/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,952/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,762
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,807
−HK$2,078/mo
Today · 4.125%
HK$69,885
baseline
▲ 0.50% · 4.625%
HK$74,138
+HK$4,253/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,770/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,159
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,121
−HK$1,991/mo
Today · 4.125%
HK$77,112
baseline
▲ 0.50% · 4.625%
HK$81,176
+HK$4,064/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,224/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,825 · Scale 2, in force from 26 Feb 2026)