LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,680
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,821
−HK$1,159/mo
Today · 4.125%
HK$38,980
baseline
▲ 0.50% · 4.625%
HK$41,352
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,960/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,806
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,900
−HK$1,111/mo
Today · 4.125%
HK$43,011
baseline
▲ 0.50% · 4.625%
HK$45,278
+HK$2,267/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,022/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,016
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,385
−HK$1,391/mo
Today · 4.125%
HK$46,776
baseline
▲ 0.50% · 4.625%
HK$49,622
+HK$2,846/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$93,552/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,967
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,280
−HK$1,333/mo
Today · 4.125%
HK$51,613
baseline
▲ 0.50% · 4.625%
HK$54,333
+HK$2,720/mo
Deposit HK$6.43M · loan HK$9.65M · min. income ≈ HK$103,226/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,352
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,949
−HK$1,623/mo
Today · 4.125%
HK$54,572
baseline
▲ 0.50% · 4.625%
HK$57,893
+HK$3,321/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,144/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,128
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,660
−HK$1,555/mo
Today · 4.125%
HK$60,215
baseline
▲ 0.50% · 4.625%
HK$63,389
+HK$3,174/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,430/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,024
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,077
−HK$2,087/mo
Today · 4.125%
HK$70,164
baseline
▲ 0.50% · 4.625%
HK$74,433
+HK$4,269/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,328/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,451
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,421
−HK$1,998/mo
Today · 4.125%
HK$77,419
baseline
▲ 0.50% · 4.625%
HK$81,500
+HK$4,081/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,838/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,219 · Scale 2, in force from 26 Feb 2026)