LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,674
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,815
−HK$1,159/mo
Today · 4.125%
HK$38,974
baseline
▲ 0.50% · 4.625%
HK$41,345
+HK$2,371/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,948/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,799
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,893
−HK$1,110/mo
Today · 4.125%
HK$43,003
baseline
▲ 0.50% · 4.625%
HK$45,270
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,006/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,009
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,377
−HK$1,391/mo
Today · 4.125%
HK$46,768
baseline
▲ 0.50% · 4.625%
HK$49,614
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,536/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,959
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,272
−HK$1,332/mo
Today · 4.125%
HK$51,604
baseline
▲ 0.50% · 4.625%
HK$54,324
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,208/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,343
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,940
−HK$1,623/mo
Today · 4.125%
HK$54,563
baseline
▲ 0.50% · 4.625%
HK$57,883
+HK$3,320/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$109,126/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,119
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,651
−HK$1,554/mo
Today · 4.125%
HK$60,205
baseline
▲ 0.50% · 4.625%
HK$63,378
+HK$3,173/mo
Deposit HK$4.82M · loan HK$11.26M · min. income ≈ HK$120,410/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,013
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,066
−HK$2,086/mo
Today · 4.125%
HK$70,152
baseline
▲ 0.50% · 4.625%
HK$74,421
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$140,304/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,439
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,408
−HK$1,998/mo
Today · 4.125%
HK$77,406
baseline
▲ 0.50% · 4.625%
HK$81,486
+HK$4,080/mo
Deposit HK$1.61M · loan HK$14.47M · min. income ≈ HK$154,812/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,120 · Scale 2, in force from 26 Feb 2026)