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$41,534
+HK$2,383/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$605,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,985
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,085
−HK$1,115/mo
Today · 4.125%
HK$43,200
baseline
▲ 0.50% · 4.625%
HK$45,477
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,400/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,209
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,585
−HK$1,397/mo
Today · 4.125%
HK$46,982
baseline
▲ 0.50% · 4.625%
HK$49,840
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,964/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,182
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,502
−HK$1,338/mo
Today · 4.125%
HK$51,840
baseline
▲ 0.50% · 4.625%
HK$54,572
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,680/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,578
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,182
−HK$1,630/mo
Today · 4.125%
HK$54,812
baseline
▲ 0.50% · 4.625%
HK$58,147
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,624/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,380
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,918
−HK$1,562/mo
Today · 4.125%
HK$60,480
baseline
▲ 0.50% · 4.625%
HK$63,668
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,960/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,314
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,377
−HK$2,096/mo
Today · 4.125%
HK$70,473
baseline
▲ 0.50% · 4.625%
HK$74,761
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,946/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,774
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,752
−HK$2,007/mo
Today · 4.125%
HK$77,759
baseline
▲ 0.50% · 4.625%
HK$81,858
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,518/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,872 · Scale 2, in force from 26 Feb 2026)