LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,841
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,987
−HK$1,164/mo
Today · 4.125%
HK$39,151
baseline
▲ 0.50% · 4.625%
HK$41,533
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,302/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,985
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,084
−HK$1,115/mo
Today · 4.125%
HK$43,199
baseline
▲ 0.50% · 4.625%
HK$45,476
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,398/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,209
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,584
−HK$1,397/mo
Today · 4.125%
HK$46,981
baseline
▲ 0.50% · 4.625%
HK$49,840
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,962/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,182
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,501
−HK$1,338/mo
Today · 4.125%
HK$51,839
baseline
▲ 0.50% · 4.625%
HK$54,571
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,678/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,577
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,181
−HK$1,630/mo
Today · 4.125%
HK$54,811
baseline
▲ 0.50% · 4.625%
HK$58,146
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,622/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,379
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,918
−HK$1,561/mo
Today · 4.125%
HK$60,479
baseline
▲ 0.50% · 4.625%
HK$63,667
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,958/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,313
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,376
−HK$2,096/mo
Today · 4.125%
HK$70,472
baseline
▲ 0.50% · 4.625%
HK$74,760
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,944/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,773
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,751
−HK$2,007/mo
Today · 4.125%
HK$77,758
baseline
▲ 0.50% · 4.625%
HK$81,857
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,516/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,864 · Scale 2, in force from 26 Feb 2026)