LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,600
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,738
−HK$1,157/mo
Today · 4.125%
HK$38,895
baseline
▲ 0.50% · 4.625%
HK$41,262
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,790/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,717
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,108/mo
Today · 4.125%
HK$42,917
baseline
▲ 0.50% · 4.625%
HK$45,179
+HK$2,262/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,834/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,920
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,286
−HK$1,388/mo
Today · 4.125%
HK$46,674
baseline
▲ 0.50% · 4.625%
HK$49,514
+HK$2,840/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,348/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,861
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,171
−HK$1,329/mo
Today · 4.125%
HK$51,500
baseline
▲ 0.50% · 4.625%
HK$54,215
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,000/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,240
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$52,834
−HK$1,619/mo
Today · 4.125%
HK$54,453
baseline
▲ 0.50% · 4.625%
HK$57,767
+HK$3,314/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,906/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,004
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,533
−HK$1,551/mo
Today · 4.125%
HK$60,084
baseline
▲ 0.50% · 4.625%
HK$63,251
+HK$3,167/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,168/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,880
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,929
−HK$2,082/mo
Today · 4.125%
HK$70,011
baseline
▲ 0.50% · 4.625%
HK$74,271
+HK$4,260/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,022/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,291
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,256
−HK$1,994/mo
Today · 4.125%
HK$77,250
baseline
▲ 0.50% · 4.625%
HK$81,322
+HK$4,072/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,500/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,906 · Scale 2, in force from 26 Feb 2026)