LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,589
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,727
−HK$1,157/mo
Today · 4.125%
HK$38,884
baseline
▲ 0.50% · 4.625%
HK$41,250
+HK$2,366/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,768/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,705
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,797
−HK$1,107/mo
Today · 4.125%
HK$42,904
baseline
▲ 0.50% · 4.625%
HK$45,166
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,808/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$601,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,907
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,273
−HK$1,387/mo
Today · 4.125%
HK$46,660
baseline
▲ 0.50% · 4.625%
HK$49,500
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,320/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,846
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,156
−HK$1,329/mo
Today · 4.125%
HK$51,485
baseline
▲ 0.50% · 4.625%
HK$54,199
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,970/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,225
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$52,818
−HK$1,619/mo
Today · 4.125%
HK$54,437
baseline
▲ 0.50% · 4.625%
HK$57,749
+HK$3,312/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,874/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,987
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$58,515
−HK$1,551/mo
Today · 4.125%
HK$60,066
baseline
▲ 0.50% · 4.625%
HK$63,232
+HK$3,166/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,132/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,860
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,909
−HK$2,082/mo
Today · 4.125%
HK$69,991
baseline
▲ 0.50% · 4.625%
HK$74,249
+HK$4,258/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$139,982/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,269
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,234
−HK$1,994/mo
Today · 4.125%
HK$77,228
baseline
▲ 0.50% · 4.625%
HK$81,298
+HK$4,070/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,456/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,728 · Scale 2, in force from 26 Feb 2026)