LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,711
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,853
−HK$1,160/mo
Today · 4.125%
HK$39,013
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,026/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,841
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,936
−HK$1,111/mo
Today · 4.125%
HK$43,047
baseline
▲ 0.50% · 4.625%
HK$45,316
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,094/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,053
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,424
−HK$1,392/mo
Today · 4.125%
HK$46,816
baseline
▲ 0.50% · 4.625%
HK$49,665
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,632/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,009
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,323
−HK$1,334/mo
Today · 4.125%
HK$51,657
baseline
▲ 0.50% · 4.625%
HK$54,380
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,314/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,396
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,994
−HK$1,625/mo
Today · 4.125%
HK$54,619
baseline
▲ 0.50% · 4.625%
HK$57,942
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,238/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,177
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,711
−HK$1,555/mo
Today · 4.125%
HK$60,266
baseline
▲ 0.50% · 4.625%
HK$63,443
+HK$3,177/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,532/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,080
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,136
−HK$2,088/mo
Today · 4.125%
HK$70,224
baseline
▲ 0.50% · 4.625%
HK$74,497
+HK$4,273/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,448/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,513
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,485
−HK$2,000/mo
Today · 4.125%
HK$77,485
baseline
▲ 0.50% · 4.625%
HK$81,570
+HK$4,085/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,970/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,735 · Scale 2, in force from 26 Feb 2026)