LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,777
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,163/mo
Today · 4.125%
HK$39,084
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,378/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$78,168/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,914
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,012
−HK$1,113/mo
Today · 4.125%
HK$43,125
baseline
▲ 0.50% · 4.625%
HK$45,398
+HK$2,273/mo
Deposit HK$8.06M · loan HK$8.06M · min. income ≈ HK$86,250/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$604,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,133
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,506
−HK$1,394/mo
Today · 4.125%
HK$46,900
baseline
▲ 0.50% · 4.625%
HK$49,754
+HK$2,854/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$93,800/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,097
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,414
−HK$1,336/mo
Today · 4.125%
HK$51,750
baseline
▲ 0.50% · 4.625%
HK$54,478
+HK$2,728/mo
Deposit HK$6.45M · loan HK$9.68M · min. income ≈ HK$103,500/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$604,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,488
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$53,090
−HK$1,627/mo
Today · 4.125%
HK$54,717
baseline
▲ 0.50% · 4.625%
HK$58,046
+HK$3,329/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$109,434/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,280
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,816
−HK$1,559/mo
Today · 4.125%
HK$60,375
baseline
▲ 0.50% · 4.625%
HK$63,557
+HK$3,182/mo
Deposit HK$4.84M · loan HK$11.29M · min. income ≈ HK$120,750/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$604,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,199
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,258
−HK$2,092/mo
Today · 4.125%
HK$70,350
baseline
▲ 0.50% · 4.625%
HK$74,631
+HK$4,281/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$140,700/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,646
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,621
−HK$2,004/mo
Today · 4.125%
HK$77,625
baseline
▲ 0.50% · 4.625%
HK$81,717
+HK$4,092/mo
Deposit HK$1.61M · loan HK$14.52M · min. income ≈ HK$155,250/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$604,823 · Scale 2, in force from 26 Feb 2026)