LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,839
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,985
−HK$1,164/mo
Today · 4.125%
HK$39,149
baseline
▲ 0.50% · 4.625%
HK$41,531
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,298/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,983
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,082
−HK$1,115/mo
Today · 4.125%
HK$43,197
baseline
▲ 0.50% · 4.625%
HK$45,474
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,394/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,207
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,582
−HK$1,397/mo
Today · 4.125%
HK$46,979
baseline
▲ 0.50% · 4.625%
HK$49,838
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,958/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,180
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,499
−HK$1,338/mo
Today · 4.125%
HK$51,837
baseline
▲ 0.50% · 4.625%
HK$54,569
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,674/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,575
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,179
−HK$1,630/mo
Today · 4.125%
HK$54,809
baseline
▲ 0.50% · 4.625%
HK$58,144
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,618/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,376
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,915
−HK$1,561/mo
Today · 4.125%
HK$60,476
baseline
▲ 0.50% · 4.625%
HK$63,664
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,952/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,310
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,373
−HK$2,095/mo
Today · 4.125%
HK$70,468
baseline
▲ 0.50% · 4.625%
HK$74,756
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,936/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,769
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,748
−HK$2,007/mo
Today · 4.125%
HK$77,755
baseline
▲ 0.50% · 4.625%
HK$81,854
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,510/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,837 · Scale 2, in force from 26 Feb 2026)