LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,662
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,159/mo
Today · 4.125%
HK$38,961
baseline
▲ 0.50% · 4.625%
HK$41,331
+HK$2,370/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,922/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,786
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,880
−HK$1,109/mo
Today · 4.125%
HK$42,989
baseline
▲ 0.50% · 4.625%
HK$45,255
+HK$2,266/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,978/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,994
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,362
−HK$1,391/mo
Today · 4.125%
HK$46,753
baseline
▲ 0.50% · 4.625%
HK$49,598
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,506/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,943
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,255
−HK$1,332/mo
Today · 4.125%
HK$51,587
baseline
▲ 0.50% · 4.625%
HK$54,306
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,174/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,326
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,923
−HK$1,622/mo
Today · 4.125%
HK$54,545
baseline
▲ 0.50% · 4.625%
HK$57,864
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$109,090/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,100
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,631
−HK$1,554/mo
Today · 4.125%
HK$60,185
baseline
▲ 0.50% · 4.625%
HK$63,357
+HK$3,172/mo
Deposit HK$4.82M · loan HK$11.25M · min. income ≈ HK$120,370/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,991
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,044
−HK$2,085/mo
Today · 4.125%
HK$70,129
baseline
▲ 0.50% · 4.625%
HK$74,396
+HK$4,267/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,258/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,414
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,383
−HK$1,998/mo
Today · 4.125%
HK$77,381
baseline
▲ 0.50% · 4.625%
HK$81,459
+HK$4,078/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,762/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,920 · Scale 2, in force from 26 Feb 2026)