LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,837
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,983
−HK$1,164/mo
Today · 4.125%
HK$39,147
baseline
▲ 0.50% · 4.625%
HK$41,529
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,294/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,981
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,080
−HK$1,115/mo
Today · 4.125%
HK$43,195
baseline
▲ 0.50% · 4.625%
HK$45,472
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,390/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,204
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,579
−HK$1,397/mo
Today · 4.125%
HK$46,976
baseline
▲ 0.50% · 4.625%
HK$49,835
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,952/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,177
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,496
−HK$1,338/mo
Today · 4.125%
HK$51,834
baseline
▲ 0.50% · 4.625%
HK$54,566
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,668/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,572
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,176
−HK$1,630/mo
Today · 4.125%
HK$54,806
baseline
▲ 0.50% · 4.625%
HK$58,140
+HK$3,334/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,612/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,373
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,912
−HK$1,561/mo
Today · 4.125%
HK$60,473
baseline
▲ 0.50% · 4.625%
HK$63,660
+HK$3,187/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,946/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,306
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,369
−HK$2,095/mo
Today · 4.125%
HK$70,464
baseline
▲ 0.50% · 4.625%
HK$74,752
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,928/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,765
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,744
−HK$2,007/mo
Today · 4.125%
HK$77,751
baseline
▲ 0.50% · 4.625%
HK$81,849
+HK$4,098/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,502/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,802 · Scale 2, in force from 26 Feb 2026)