LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,650
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,790
−HK$1,158/mo
Today · 4.125%
HK$38,948
baseline
▲ 0.50% · 4.625%
HK$41,318
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,896/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,772
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,866
−HK$1,109/mo
Today · 4.125%
HK$42,975
baseline
▲ 0.50% · 4.625%
HK$45,240
+HK$2,265/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,950/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,979
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,347
−HK$1,390/mo
Today · 4.125%
HK$46,737
baseline
▲ 0.50% · 4.625%
HK$49,581
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,474/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,927
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,239
−HK$1,331/mo
Today · 4.125%
HK$51,570
baseline
▲ 0.50% · 4.625%
HK$54,288
+HK$2,718/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,140/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,309
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,905
−HK$1,622/mo
Today · 4.125%
HK$54,527
baseline
▲ 0.50% · 4.625%
HK$57,845
+HK$3,318/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,054/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,081
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,612
−HK$1,553/mo
Today · 4.125%
HK$60,165
baseline
▲ 0.50% · 4.625%
HK$63,336
+HK$3,171/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,330/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$602,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,969
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,021
−HK$2,085/mo
Today · 4.125%
HK$70,106
baseline
▲ 0.50% · 4.625%
HK$74,372
+HK$4,266/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,212/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,390
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,358
−HK$1,997/mo
Today · 4.125%
HK$77,355
baseline
▲ 0.50% · 4.625%
HK$81,433
+HK$4,078/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,710/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,722 · Scale 2, in force from 26 Feb 2026)