LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,669
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,810
−HK$1,159/mo
Today · 4.125%
HK$38,969
baseline
▲ 0.50% · 4.625%
HK$41,340
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,938/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,794
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,888
−HK$1,110/mo
Today · 4.125%
HK$42,998
baseline
▲ 0.50% · 4.625%
HK$45,264
+HK$2,266/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$85,996/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,003
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,372
−HK$1,390/mo
Today · 4.125%
HK$46,762
baseline
▲ 0.50% · 4.625%
HK$49,608
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,524/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,953
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,266
−HK$1,332/mo
Today · 4.125%
HK$51,598
baseline
▲ 0.50% · 4.625%
HK$54,317
+HK$2,719/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,196/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,337
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,934
−HK$1,622/mo
Today · 4.125%
HK$54,556
baseline
▲ 0.50% · 4.625%
HK$57,876
+HK$3,320/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$109,112/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,112
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,643
−HK$1,554/mo
Today · 4.125%
HK$60,197
baseline
▲ 0.50% · 4.625%
HK$63,370
+HK$3,173/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$120,394/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,004
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,057
−HK$2,086/mo
Today · 4.125%
HK$70,143
baseline
▲ 0.50% · 4.625%
HK$74,411
+HK$4,268/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,286/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,429
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,399
−HK$1,997/mo
Today · 4.125%
HK$77,396
baseline
▲ 0.50% · 4.625%
HK$81,476
+HK$4,080/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,792/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,043 · Scale 2, in force from 26 Feb 2026)