LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,845
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,991
−HK$1,164/mo
Today · 4.125%
HK$39,155
baseline
▲ 0.50% · 4.625%
HK$41,538
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,310/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,989
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,089
−HK$1,115/mo
Today · 4.125%
HK$43,204
baseline
▲ 0.50% · 4.625%
HK$45,481
+HK$2,277/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,408/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$605,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,214
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,589
−HK$1,397/mo
Today · 4.125%
HK$46,986
baseline
▲ 0.50% · 4.625%
HK$49,845
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$93,972/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,187
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,506
−HK$1,339/mo
Today · 4.125%
HK$51,845
baseline
▲ 0.50% · 4.625%
HK$54,577
+HK$2,732/mo
Deposit HK$6.46M · loan HK$9.69M · min. income ≈ HK$103,690/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,582
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,630/mo
Today · 4.125%
HK$54,817
baseline
▲ 0.50% · 4.625%
HK$58,153
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,634/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,385
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,924
−HK$1,561/mo
Today · 4.125%
HK$60,485
baseline
▲ 0.50% · 4.625%
HK$63,674
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,970/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,320
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,383
−HK$2,096/mo
Today · 4.125%
HK$70,479
baseline
▲ 0.50% · 4.625%
HK$74,768
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,958/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,781
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,759
−HK$2,008/mo
Today · 4.125%
HK$77,767
baseline
▲ 0.50% · 4.625%
HK$81,866
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,534/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,930 · Scale 2, in force from 26 Feb 2026)