LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,540
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,677
−HK$1,155/mo
Today · 4.125%
HK$38,832
baseline
▲ 0.50% · 4.625%
HK$41,194
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,664/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,651
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,741
−HK$1,106/mo
Today · 4.125%
HK$42,847
baseline
▲ 0.50% · 4.625%
HK$45,105
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,694/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,848
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,212
−HK$1,386/mo
Today · 4.125%
HK$46,598
baseline
▲ 0.50% · 4.625%
HK$49,433
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,196/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,781
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,089
−HK$1,327/mo
Today · 4.125%
HK$51,416
baseline
▲ 0.50% · 4.625%
HK$54,126
+HK$2,710/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,832/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,156
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$52,748
−HK$1,616/mo
Today · 4.125%
HK$54,364
baseline
▲ 0.50% · 4.625%
HK$57,672
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,728/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,911
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,437
−HK$1,549/mo
Today · 4.125%
HK$59,986
baseline
▲ 0.50% · 4.625%
HK$63,148
+HK$3,162/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,972/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,772
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,818
−HK$2,079/mo
Today · 4.125%
HK$69,897
baseline
▲ 0.50% · 4.625%
HK$74,150
+HK$4,253/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,794/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,171
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,134
−HK$1,990/mo
Today · 4.125%
HK$77,124
baseline
▲ 0.50% · 4.625%
HK$81,190
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,248/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,924 · Scale 2, in force from 26 Feb 2026)