LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,625
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,765
−HK$1,157/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$41,290
+HK$2,368/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,745
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,838
−HK$1,109/mo
Today · 4.125%
HK$42,947
baseline
▲ 0.50% · 4.625%
HK$45,210
+HK$2,263/mo
Deposit HK$8.03M · loan HK$8.03M · min. income ≈ HK$85,894/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$602,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,950
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,318
−HK$1,389/mo
Today · 4.125%
HK$46,707
baseline
▲ 0.50% · 4.625%
HK$49,548
+HK$2,841/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$93,414/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,894
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,206
−HK$1,330/mo
Today · 4.125%
HK$51,536
baseline
▲ 0.50% · 4.625%
HK$54,253
+HK$2,717/mo
Deposit HK$6.42M · loan HK$9.64M · min. income ≈ HK$103,072/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,276
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,870
−HK$1,621/mo
Today · 4.125%
HK$54,491
baseline
▲ 0.50% · 4.625%
HK$57,807
+HK$3,316/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$108,982/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,043
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,573
−HK$1,552/mo
Today · 4.125%
HK$60,125
baseline
▲ 0.50% · 4.625%
HK$63,295
+HK$3,170/mo
Deposit HK$4.82M · loan HK$11.24M · min. income ≈ HK$120,250/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,926
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,976
−HK$2,084/mo
Today · 4.125%
HK$70,060
baseline
▲ 0.50% · 4.625%
HK$74,323
+HK$4,263/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$140,120/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,342
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,309
−HK$1,995/mo
Today · 4.125%
HK$77,304
baseline
▲ 0.50% · 4.625%
HK$81,379
+HK$4,075/mo
Deposit HK$1.61M · loan HK$14.46M · min. income ≈ HK$154,608/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,324 · Scale 2, in force from 26 Feb 2026)