LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,666
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,806
−HK$1,159/mo
Today · 4.125%
HK$38,965
baseline
▲ 0.50% · 4.625%
HK$41,336
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,930/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,790
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,884
−HK$1,110/mo
Today · 4.125%
HK$42,994
baseline
▲ 0.50% · 4.625%
HK$45,260
+HK$2,266/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,988/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$602,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,999
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,367
−HK$1,391/mo
Today · 4.125%
HK$46,758
baseline
▲ 0.50% · 4.625%
HK$49,603
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,516/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,948
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,261
−HK$1,332/mo
Today · 4.125%
HK$51,593
baseline
▲ 0.50% · 4.625%
HK$54,312
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,186/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$602,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,332
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,928
−HK$1,623/mo
Today · 4.125%
HK$54,551
baseline
▲ 0.50% · 4.625%
HK$57,870
+HK$3,319/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$109,102/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,106
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,638
−HK$1,553/mo
Today · 4.125%
HK$60,191
baseline
▲ 0.50% · 4.625%
HK$63,364
+HK$3,173/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$120,382/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$602,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,998
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,051
−HK$2,086/mo
Today · 4.125%
HK$70,137
baseline
▲ 0.50% · 4.625%
HK$74,404
+HK$4,267/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,274/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,422
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,391
−HK$1,998/mo
Today · 4.125%
HK$77,389
baseline
▲ 0.50% · 4.625%
HK$81,468
+HK$4,079/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,778/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$602,984 · Scale 2, in force from 26 Feb 2026)