LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,686
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,827
−HK$1,160/mo
Today · 4.125%
HK$38,987
baseline
▲ 0.50% · 4.625%
HK$41,359
+HK$2,372/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$77,974/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,813
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,908
−HK$1,110/mo
Today · 4.125%
HK$43,018
baseline
▲ 0.50% · 4.625%
HK$45,286
+HK$2,268/mo
Deposit HK$8.04M · loan HK$8.04M · min. income ≈ HK$86,036/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,023
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,393
−HK$1,391/mo
Today · 4.125%
HK$46,784
baseline
▲ 0.50% · 4.625%
HK$49,631
+HK$2,847/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$93,568/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,976
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,289
−HK$1,333/mo
Today · 4.125%
HK$51,622
baseline
▲ 0.50% · 4.625%
HK$54,343
+HK$2,721/mo
Deposit HK$6.44M · loan HK$9.65M · min. income ≈ HK$103,244/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,361
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,958
−HK$1,623/mo
Today · 4.125%
HK$54,581
baseline
▲ 0.50% · 4.625%
HK$57,903
+HK$3,322/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$109,162/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,138
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,671
−HK$1,554/mo
Today · 4.125%
HK$60,225
baseline
▲ 0.50% · 4.625%
HK$63,400
+HK$3,175/mo
Deposit HK$4.83M · loan HK$11.26M · min. income ≈ HK$120,450/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,035
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,089
−HK$2,087/mo
Today · 4.125%
HK$70,176
baseline
▲ 0.50% · 4.625%
HK$74,446
+HK$4,270/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$140,352/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,463
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,434
−HK$1,998/mo
Today · 4.125%
HK$77,432
baseline
▲ 0.50% · 4.625%
HK$81,514
+HK$4,082/mo
Deposit HK$1.61M · loan HK$14.48M · min. income ≈ HK$154,864/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,323 · Scale 2, in force from 26 Feb 2026)