LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,835
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,981
−HK$1,164/mo
Today · 4.125%
HK$39,145
baseline
▲ 0.50% · 4.625%
HK$41,527
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,290/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,978
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,077
−HK$1,115/mo
Today · 4.125%
HK$43,192
baseline
▲ 0.50% · 4.625%
HK$45,469
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,384/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,202
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,577
−HK$1,397/mo
Today · 4.125%
HK$46,974
baseline
▲ 0.50% · 4.625%
HK$49,832
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,948/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,174
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,493
−HK$1,338/mo
Today · 4.125%
HK$51,831
baseline
▲ 0.50% · 4.625%
HK$54,563
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,662/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,569
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,173
−HK$1,630/mo
Today · 4.125%
HK$54,803
baseline
▲ 0.50% · 4.625%
HK$58,137
+HK$3,334/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,606/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,370
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,908
−HK$1,561/mo
Today · 4.125%
HK$60,469
baseline
▲ 0.50% · 4.625%
HK$63,657
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,938/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,303
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,365
−HK$2,096/mo
Today · 4.125%
HK$70,461
baseline
▲ 0.50% · 4.625%
HK$74,748
+HK$4,287/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,922/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,761
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,739
−HK$2,007/mo
Today · 4.125%
HK$77,746
baseline
▲ 0.50% · 4.625%
HK$81,844
+HK$4,098/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,492/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,769 · Scale 2, in force from 26 Feb 2026)