LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,844
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,990
−HK$1,164/mo
Today · 4.125%
HK$39,154
baseline
▲ 0.50% · 4.625%
HK$41,537
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,308/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,989
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,088
−HK$1,115/mo
Today · 4.125%
HK$43,203
baseline
▲ 0.50% · 4.625%
HK$45,480
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,406/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,213
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,588
−HK$1,397/mo
Today · 4.125%
HK$46,985
baseline
▲ 0.50% · 4.625%
HK$49,844
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,970/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,186
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,505
−HK$1,339/mo
Today · 4.125%
HK$51,844
baseline
▲ 0.50% · 4.625%
HK$54,576
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,688/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,582
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,186
−HK$1,630/mo
Today · 4.125%
HK$54,816
baseline
▲ 0.50% · 4.625%
HK$58,152
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,632/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,384
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,923
−HK$1,561/mo
Today · 4.125%
HK$60,484
baseline
▲ 0.50% · 4.625%
HK$63,672
+HK$3,188/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,968/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,319
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,382
−HK$2,096/mo
Today · 4.125%
HK$70,478
baseline
▲ 0.50% · 4.625%
HK$74,766
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,956/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,779
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,758
−HK$2,007/mo
Today · 4.125%
HK$77,765
baseline
▲ 0.50% · 4.625%
HK$81,865
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,530/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,919 · Scale 2, in force from 26 Feb 2026)