LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,541
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,678
−HK$1,155/mo
Today · 4.125%
HK$38,833
baseline
▲ 0.50% · 4.625%
HK$41,195
+HK$2,362/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$77,666/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,652
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,742
−HK$1,106/mo
Today · 4.125%
HK$42,848
baseline
▲ 0.50% · 4.625%
HK$45,106
+HK$2,258/mo
Deposit HK$8.01M · loan HK$8.01M · min. income ≈ HK$85,696/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$600,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,849
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,213
−HK$1,386/mo
Today · 4.125%
HK$46,599
baseline
▲ 0.50% · 4.625%
HK$49,434
+HK$2,835/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$93,198/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,782
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,090
−HK$1,327/mo
Today · 4.125%
HK$51,417
baseline
▲ 0.50% · 4.625%
HK$54,128
+HK$2,711/mo
Deposit HK$6.41M · loan HK$9.61M · min. income ≈ HK$102,834/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$600,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,157
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,749
−HK$1,617/mo
Today · 4.125%
HK$54,366
baseline
▲ 0.50% · 4.625%
HK$57,674
+HK$3,308/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$108,732/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,912
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,439
−HK$1,548/mo
Today · 4.125%
HK$59,987
baseline
▲ 0.50% · 4.625%
HK$63,149
+HK$3,162/mo
Deposit HK$4.81M · loan HK$11.22M · min. income ≈ HK$119,974/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$600,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,774
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,820
−HK$2,079/mo
Today · 4.125%
HK$69,899
baseline
▲ 0.50% · 4.625%
HK$74,152
+HK$4,253/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$139,798/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,173
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,135
−HK$1,991/mo
Today · 4.125%
HK$77,126
baseline
▲ 0.50% · 4.625%
HK$81,192
+HK$4,066/mo
Deposit HK$1.60M · loan HK$14.42M · min. income ≈ HK$154,252/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$600,937 · Scale 2, in force from 26 Feb 2026)