LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,675
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,816
−HK$1,159/mo
Today · 4.125%
HK$38,975
baseline
▲ 0.50% · 4.625%
HK$41,347
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,950/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,801
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,895
−HK$1,110/mo
Today · 4.125%
HK$43,005
baseline
▲ 0.50% · 4.625%
HK$45,272
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,010/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,010
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,379
−HK$1,391/mo
Today · 4.125%
HK$46,770
baseline
▲ 0.50% · 4.625%
HK$49,616
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,540/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,961
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,274
−HK$1,332/mo
Today · 4.125%
HK$51,606
baseline
▲ 0.50% · 4.625%
HK$54,327
+HK$2,721/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,212/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,345
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,943
−HK$1,622/mo
Today · 4.125%
HK$54,565
baseline
▲ 0.50% · 4.625%
HK$57,885
+HK$3,320/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,130/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,121
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,653
−HK$1,554/mo
Today · 4.125%
HK$60,207
baseline
▲ 0.50% · 4.625%
HK$63,381
+HK$3,174/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,414/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,016
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,069
−HK$2,086/mo
Today · 4.125%
HK$70,155
baseline
▲ 0.50% · 4.625%
HK$74,424
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,310/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,442
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,411
−HK$1,999/mo
Today · 4.125%
HK$77,410
baseline
▲ 0.50% · 4.625%
HK$81,490
+HK$4,080/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,820/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,145 · Scale 2, in force from 26 Feb 2026)