LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,712
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,854
−HK$1,160/mo
Today · 4.125%
HK$39,014
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,028/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,842
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,937
−HK$1,111/mo
Today · 4.125%
HK$43,048
baseline
▲ 0.50% · 4.625%
HK$45,317
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,096/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,054
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,425
−HK$1,392/mo
Today · 4.125%
HK$46,817
baseline
▲ 0.50% · 4.625%
HK$49,666
+HK$2,849/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,634/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,010
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,325
−HK$1,333/mo
Today · 4.125%
HK$51,658
baseline
▲ 0.50% · 4.625%
HK$54,381
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,316/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,397
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$52,996
−HK$1,624/mo
Today · 4.125%
HK$54,620
baseline
▲ 0.50% · 4.625%
HK$57,943
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,240/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,178
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,712
−HK$1,556/mo
Today · 4.125%
HK$60,268
baseline
▲ 0.50% · 4.625%
HK$63,444
+HK$3,176/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,536/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,082
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,137
−HK$2,089/mo
Today · 4.125%
HK$70,226
baseline
▲ 0.50% · 4.625%
HK$74,499
+HK$4,273/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,452/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,515
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,487
−HK$2,000/mo
Today · 4.125%
HK$77,487
baseline
▲ 0.50% · 4.625%
HK$81,571
+HK$4,084/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,974/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,749 · Scale 2, in force from 26 Feb 2026)