LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,832
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,978
−HK$1,164/mo
Today · 4.125%
HK$39,142
baseline
▲ 0.50% · 4.625%
HK$41,524
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,284/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,975
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,074
−HK$1,115/mo
Today · 4.125%
HK$43,189
baseline
▲ 0.50% · 4.625%
HK$45,466
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,378/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,199
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,573
−HK$1,397/mo
Today · 4.125%
HK$46,970
baseline
▲ 0.50% · 4.625%
HK$49,828
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,940/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,171
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,489
−HK$1,338/mo
Today · 4.125%
HK$51,827
baseline
▲ 0.50% · 4.625%
HK$54,559
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,654/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,565
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,169
−HK$1,630/mo
Today · 4.125%
HK$54,799
baseline
▲ 0.50% · 4.625%
HK$58,133
+HK$3,334/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,598/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,366
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,904
−HK$1,561/mo
Today · 4.125%
HK$60,465
baseline
▲ 0.50% · 4.625%
HK$63,652
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,930/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,298
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,360
−HK$2,095/mo
Today · 4.125%
HK$70,455
baseline
▲ 0.50% · 4.625%
HK$74,743
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,910/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,756
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,734
−HK$2,007/mo
Today · 4.125%
HK$77,741
baseline
▲ 0.50% · 4.625%
HK$81,838
+HK$4,097/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,482/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,726 · Scale 2, in force from 26 Feb 2026)