LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,596
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,735
−HK$1,156/mo
Today · 4.125%
HK$38,891
baseline
▲ 0.50% · 4.625%
HK$41,258
+HK$2,367/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$77,782/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,713
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,805
−HK$1,108/mo
Today · 4.125%
HK$42,913
baseline
▲ 0.50% · 4.625%
HK$45,175
+HK$2,262/mo
Deposit HK$8.02M · loan HK$8.02M · min. income ≈ HK$85,826/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,916
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,282
−HK$1,387/mo
Today · 4.125%
HK$46,669
baseline
▲ 0.50% · 4.625%
HK$49,509
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,338/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,856
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,166
−HK$1,329/mo
Today · 4.125%
HK$51,495
baseline
▲ 0.50% · 4.625%
HK$54,209
+HK$2,714/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$102,990/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,235
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,828
−HK$1,620/mo
Today · 4.125%
HK$54,448
baseline
▲ 0.50% · 4.625%
HK$57,761
+HK$3,313/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$108,896/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,998
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,527
−HK$1,551/mo
Today · 4.125%
HK$60,078
baseline
▲ 0.50% · 4.625%
HK$63,244
+HK$3,166/mo
Deposit HK$4.81M · loan HK$11.23M · min. income ≈ HK$120,156/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,873
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,922
−HK$2,082/mo
Today · 4.125%
HK$70,004
baseline
▲ 0.50% · 4.625%
HK$74,264
+HK$4,260/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$140,008/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,283
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,249
−HK$1,994/mo
Today · 4.125%
HK$77,243
baseline
▲ 0.50% · 4.625%
HK$81,314
+HK$4,071/mo
Deposit HK$1.60M · loan HK$14.44M · min. income ≈ HK$154,486/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,845 · Scale 2, in force from 26 Feb 2026)