LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,827
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,973
−HK$1,164/mo
Today · 4.125%
HK$39,137
baseline
▲ 0.50% · 4.625%
HK$41,518
+HK$2,381/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,274/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,970
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,069
−HK$1,114/mo
Today · 4.125%
HK$43,183
baseline
▲ 0.50% · 4.625%
HK$45,460
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,366/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,567
−HK$1,397/mo
Today · 4.125%
HK$46,964
baseline
▲ 0.50% · 4.625%
HK$49,822
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,928/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,164
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,483
−HK$1,337/mo
Today · 4.125%
HK$51,820
baseline
▲ 0.50% · 4.625%
HK$54,552
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,640/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,558
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$53,162
−HK$1,629/mo
Today · 4.125%
HK$54,791
baseline
▲ 0.50% · 4.625%
HK$58,125
+HK$3,334/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,582/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,358
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,896
−HK$1,561/mo
Today · 4.125%
HK$60,457
baseline
▲ 0.50% · 4.625%
HK$63,644
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,914/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,289
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,351
−HK$2,095/mo
Today · 4.125%
HK$70,446
baseline
▲ 0.50% · 4.625%
HK$74,732
+HK$4,286/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,892/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,746
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,724
−HK$2,006/mo
Today · 4.125%
HK$77,730
baseline
▲ 0.50% · 4.625%
HK$81,828
+HK$4,098/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,460/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,644 · Scale 2, in force from 26 Feb 2026)