LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,602
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,740
−HK$1,157/mo
Today · 4.125%
HK$38,897
baseline
▲ 0.50% · 4.625%
HK$41,264
+HK$2,367/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,794/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,719
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,811
−HK$1,108/mo
Today · 4.125%
HK$42,919
baseline
▲ 0.50% · 4.625%
HK$45,181
+HK$2,262/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,838/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$601,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,922
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,288
−HK$1,388/mo
Today · 4.125%
HK$46,676
baseline
▲ 0.50% · 4.625%
HK$49,517
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$93,352/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,863
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,173
−HK$1,330/mo
Today · 4.125%
HK$51,503
baseline
▲ 0.50% · 4.625%
HK$54,218
+HK$2,715/mo
Deposit HK$6.42M · loan HK$9.63M · min. income ≈ HK$103,006/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$601,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,242
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,836
−HK$1,620/mo
Today · 4.125%
HK$54,456
baseline
▲ 0.50% · 4.625%
HK$57,769
+HK$3,313/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,912/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,007
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$58,536
−HK$1,551/mo
Today · 4.125%
HK$60,087
baseline
▲ 0.50% · 4.625%
HK$63,254
+HK$3,167/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,174/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$601,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,883
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,932
−HK$2,083/mo
Today · 4.125%
HK$70,015
baseline
▲ 0.50% · 4.625%
HK$74,275
+HK$4,260/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$140,030/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,294
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,260
−HK$1,994/mo
Today · 4.125%
HK$77,254
baseline
▲ 0.50% · 4.625%
HK$81,326
+HK$4,072/mo
Deposit HK$1.61M · loan HK$14.45M · min. income ≈ HK$154,508/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$601,935 · Scale 2, in force from 26 Feb 2026)