LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,722
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,865
−HK$1,160/mo
Today · 4.125%
HK$39,025
baseline
▲ 0.50% · 4.625%
HK$41,400
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,050/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,853
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,949
−HK$1,112/mo
Today · 4.125%
HK$43,061
baseline
▲ 0.50% · 4.625%
HK$45,330
+HK$2,269/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,122/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$603,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,067
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,438
−HK$1,392/mo
Today · 4.125%
HK$46,830
baseline
▲ 0.50% · 4.625%
HK$49,680
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$93,660/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,024
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,339
−HK$1,334/mo
Today · 4.125%
HK$51,673
baseline
▲ 0.50% · 4.625%
HK$54,396
+HK$2,723/mo
Deposit HK$6.44M · loan HK$9.66M · min. income ≈ HK$103,346/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$603,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,411
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,011
−HK$1,624/mo
Today · 4.125%
HK$54,635
baseline
▲ 0.50% · 4.625%
HK$57,960
+HK$3,325/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$109,270/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,195
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,729
−HK$1,556/mo
Today · 4.125%
HK$60,285
baseline
▲ 0.50% · 4.625%
HK$63,462
+HK$3,177/mo
Deposit HK$4.83M · loan HK$11.27M · min. income ≈ HK$120,570/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$603,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,100
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,157
−HK$2,089/mo
Today · 4.125%
HK$70,246
baseline
▲ 0.50% · 4.625%
HK$74,520
+HK$4,274/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$140,492/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,536
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,508
−HK$2,001/mo
Today · 4.125%
HK$77,509
baseline
▲ 0.50% · 4.625%
HK$81,595
+HK$4,086/mo
Deposit HK$1.61M · loan HK$14.49M · min. income ≈ HK$155,018/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$603,920 · Scale 2, in force from 26 Feb 2026)