LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,843
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,989
−HK$1,164/mo
Today · 4.125%
HK$39,153
baseline
▲ 0.50% · 4.625%
HK$41,535
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,306/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,987
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,086
−HK$1,115/mo
Today · 4.125%
HK$43,201
baseline
▲ 0.50% · 4.625%
HK$45,479
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,402/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,211
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,586
−HK$1,398/mo
Today · 4.125%
HK$46,984
baseline
▲ 0.50% · 4.625%
HK$49,842
+HK$2,858/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,968/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,184
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,504
−HK$1,338/mo
Today · 4.125%
HK$51,842
baseline
▲ 0.50% · 4.625%
HK$54,574
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,684/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,580
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,184
−HK$1,630/mo
Today · 4.125%
HK$54,814
baseline
▲ 0.50% · 4.625%
HK$58,149
+HK$3,335/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,628/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,382
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,921
−HK$1,561/mo
Today · 4.125%
HK$60,482
baseline
▲ 0.50% · 4.625%
HK$63,670
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,964/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,317
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,380
−HK$2,095/mo
Today · 4.125%
HK$70,475
baseline
▲ 0.50% · 4.625%
HK$74,764
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,950/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,777
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,755
−HK$2,008/mo
Today · 4.125%
HK$77,763
baseline
▲ 0.50% · 4.625%
HK$81,862
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,526/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,896 · Scale 2, in force from 26 Feb 2026)