LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,664
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,805
−HK$1,158/mo
Today · 4.125%
HK$38,963
baseline
▲ 0.50% · 4.625%
HK$41,334
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,926/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,789
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,882
−HK$1,110/mo
Today · 4.125%
HK$42,992
baseline
▲ 0.50% · 4.625%
HK$45,258
+HK$2,266/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,984/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,997
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,366
−HK$1,390/mo
Today · 4.125%
HK$46,756
baseline
▲ 0.50% · 4.625%
HK$49,601
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,512/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,946
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,259
−HK$1,332/mo
Today · 4.125%
HK$51,591
baseline
▲ 0.50% · 4.625%
HK$54,310
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,182/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,330
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,927
−HK$1,622/mo
Today · 4.125%
HK$54,549
baseline
▲ 0.50% · 4.625%
HK$57,868
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$109,098/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,104
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,635
−HK$1,554/mo
Today · 4.125%
HK$60,189
baseline
▲ 0.50% · 4.625%
HK$63,362
+HK$3,173/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$120,378/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,996
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,048
−HK$2,086/mo
Today · 4.125%
HK$70,134
baseline
▲ 0.50% · 4.625%
HK$74,402
+HK$4,268/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,268/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,419
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,388
−HK$1,998/mo
Today · 4.125%
HK$77,386
baseline
▲ 0.50% · 4.625%
HK$81,465
+HK$4,079/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,772/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,962 · Scale 2, in force from 26 Feb 2026)