LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,839
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,985
−HK$1,165/mo
Today · 4.125%
HK$39,150
baseline
▲ 0.50% · 4.625%
HK$41,532
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,300/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,984
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,083
−HK$1,115/mo
Today · 4.125%
HK$43,198
baseline
▲ 0.50% · 4.625%
HK$45,475
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,396/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,207
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,582
−HK$1,398/mo
Today · 4.125%
HK$46,980
baseline
▲ 0.50% · 4.625%
HK$49,838
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,960/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,844 · 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$54,570
+HK$2,733/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$605,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,575
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,180
−HK$1,629/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$605,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,377
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,916
−HK$1,561/mo
Today · 4.125%
HK$60,477
baseline
▲ 0.50% · 4.625%
HK$63,665
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,954/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,311
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,374
−HK$2,095/mo
Today · 4.125%
HK$70,469
baseline
▲ 0.50% · 4.625%
HK$74,757
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,938/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,770
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,749
−HK$2,007/mo
Today · 4.125%
HK$77,756
baseline
▲ 0.50% · 4.625%
HK$81,855
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,512/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,844 · Scale 2, in force from 26 Feb 2026)