LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,676
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,817
−HK$1,159/mo
Today · 4.125%
HK$38,976
baseline
▲ 0.50% · 4.625%
HK$41,348
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,952/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,802
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,896
−HK$1,110/mo
Today · 4.125%
HK$43,006
baseline
▲ 0.50% · 4.625%
HK$45,273
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,012/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,011
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,380
−HK$1,391/mo
Today · 4.125%
HK$46,771
baseline
▲ 0.50% · 4.625%
HK$49,617
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,542/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,962
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,275
−HK$1,333/mo
Today · 4.125%
HK$51,608
baseline
▲ 0.50% · 4.625%
HK$54,328
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,216/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,347
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,944
−HK$1,623/mo
Today · 4.125%
HK$54,567
baseline
▲ 0.50% · 4.625%
HK$57,887
+HK$3,320/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,134/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,123
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,655
−HK$1,554/mo
Today · 4.125%
HK$60,209
baseline
▲ 0.50% · 4.625%
HK$63,382
+HK$3,173/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,418/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,017
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,071
−HK$2,086/mo
Today · 4.125%
HK$70,157
baseline
▲ 0.50% · 4.625%
HK$74,426
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,314/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,443
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,413
−HK$1,998/mo
Today · 4.125%
HK$77,411
baseline
▲ 0.50% · 4.625%
HK$81,492
+HK$4,081/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,822/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,159 · Scale 2, in force from 26 Feb 2026)