LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,712
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,854
−HK$1,161/mo
Today · 4.125%
HK$39,015
baseline
▲ 0.50% · 4.625%
HK$41,389
+HK$2,374/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,030/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,842
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,938
−HK$1,111/mo
Today · 4.125%
HK$43,049
baseline
▲ 0.50% · 4.625%
HK$45,318
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,098/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$603,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,055
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,425
−HK$1,393/mo
Today · 4.125%
HK$46,818
baseline
▲ 0.50% · 4.625%
HK$49,666
+HK$2,848/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,636/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,011
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,325
−HK$1,334/mo
Today · 4.125%
HK$51,659
baseline
▲ 0.50% · 4.625%
HK$54,382
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,318/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$603,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,397
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$52,996
−HK$1,625/mo
Today · 4.125%
HK$54,621
baseline
▲ 0.50% · 4.625%
HK$57,944
+HK$3,323/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,242/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$603,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,179
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$58,713
−HK$1,555/mo
Today · 4.125%
HK$60,268
baseline
▲ 0.50% · 4.625%
HK$63,445
+HK$3,177/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$603,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,082
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,138
−HK$2,088/mo
Today · 4.125%
HK$70,226
baseline
▲ 0.50% · 4.625%
HK$74,500
+HK$4,274/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$603,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,516
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,488
−HK$2,000/mo
Today · 4.125%
HK$77,488
baseline
▲ 0.50% · 4.625%
HK$81,572
+HK$4,084/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$154,976/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,756 · Scale 2, in force from 26 Feb 2026)