LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,654
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,795
−HK$1,158/mo
Today · 4.125%
HK$38,953
baseline
▲ 0.50% · 4.625%
HK$41,323
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,906/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,778
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,871
−HK$1,110/mo
Today · 4.125%
HK$42,981
baseline
▲ 0.50% · 4.625%
HK$45,246
+HK$2,265/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,962/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,985
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,354
−HK$1,390/mo
Today · 4.125%
HK$46,744
baseline
▲ 0.50% · 4.625%
HK$49,588
+HK$2,844/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$93,488/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,933
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,246
−HK$1,331/mo
Today · 4.125%
HK$51,577
baseline
▲ 0.50% · 4.625%
HK$54,296
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.64M · min. income ≈ HK$103,154/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,316
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,913
−HK$1,621/mo
Today · 4.125%
HK$54,534
baseline
▲ 0.50% · 4.625%
HK$57,853
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,068/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,089
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,620
−HK$1,553/mo
Today · 4.125%
HK$60,173
baseline
▲ 0.50% · 4.625%
HK$63,345
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,346/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,978
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,030
−HK$2,085/mo
Today · 4.125%
HK$70,115
baseline
▲ 0.50% · 4.625%
HK$74,382
+HK$4,267/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,230/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,400
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,368
−HK$1,998/mo
Today · 4.125%
HK$77,366
baseline
▲ 0.50% · 4.625%
HK$81,444
+HK$4,078/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,732/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,802 · Scale 2, in force from 26 Feb 2026)