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$603,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,800
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,894
−HK$1,110/mo
Today · 4.125%
HK$43,004
baseline
▲ 0.50% · 4.625%
HK$45,271
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,008/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$603,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,009
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,378
−HK$1,391/mo
Today · 4.125%
HK$46,769
baseline
▲ 0.50% · 4.625%
HK$49,614
+HK$2,845/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,538/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,960
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,273
−HK$1,332/mo
Today · 4.125%
HK$51,605
baseline
▲ 0.50% · 4.625%
HK$54,325
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,210/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,344
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,941
−HK$1,622/mo
Today · 4.125%
HK$54,563
baseline
▲ 0.50% · 4.625%
HK$57,884
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,126/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,126 · 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$63,379
+HK$3,174/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,410/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,013
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,067
−HK$2,086/mo
Today · 4.125%
HK$70,153
baseline
▲ 0.50% · 4.625%
HK$74,422
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,306/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,439
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,409
−HK$1,998/mo
Today · 4.125%
HK$77,407
baseline
▲ 0.50% · 4.625%
HK$81,487
+HK$4,080/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,814/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,126 · Scale 2, in force from 26 Feb 2026)