LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,733
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,876
−HK$1,161/mo
Today · 4.125%
HK$39,037
baseline
▲ 0.50% · 4.625%
HK$41,412
+HK$2,375/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$78,074/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,865
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,961
−HK$1,112/mo
Today · 4.125%
HK$43,073
baseline
▲ 0.50% · 4.625%
HK$45,344
+HK$2,271/mo
Deposit HK$8.05M · loan HK$8.05M · min. income ≈ HK$86,146/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$604,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,080
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,451
−HK$1,393/mo
Today · 4.125%
HK$46,844
baseline
▲ 0.50% · 4.625%
HK$49,694
+HK$2,850/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$93,688/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,038
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,354
−HK$1,334/mo
Today · 4.125%
HK$51,688
baseline
▲ 0.50% · 4.625%
HK$54,412
+HK$2,724/mo
Deposit HK$6.44M · loan HK$9.67M · min. income ≈ HK$103,376/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$604,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,427
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,026
−HK$1,625/mo
Today · 4.125%
HK$54,651
baseline
▲ 0.50% · 4.625%
HK$57,977
+HK$3,326/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$109,302/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,212
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,746
−HK$1,556/mo
Today · 4.125%
HK$60,302
baseline
▲ 0.50% · 4.625%
HK$63,481
+HK$3,179/mo
Deposit HK$4.83M · loan HK$11.28M · min. income ≈ HK$120,604/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,120
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$68,177
−HK$2,089/mo
Today · 4.125%
HK$70,266
baseline
▲ 0.50% · 4.625%
HK$74,542
+HK$4,276/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$140,532/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,558
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$75,530
−HK$2,002/mo
Today · 4.125%
HK$77,532
baseline
▲ 0.50% · 4.625%
HK$81,619
+HK$4,087/mo
Deposit HK$1.61M · loan HK$14.50M · min. income ≈ HK$155,064/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,098 · Scale 2, in force from 26 Feb 2026)