LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,846
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,992
−HK$1,165/mo
Today · 4.125%
HK$39,157
baseline
▲ 0.50% · 4.625%
HK$41,539
+HK$2,382/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,314/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,991
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,090
−HK$1,115/mo
Today · 4.125%
HK$43,205
baseline
▲ 0.50% · 4.625%
HK$45,483
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,410/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$605,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,215
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,590
−HK$1,398/mo
Today · 4.125%
HK$46,988
baseline
▲ 0.50% · 4.625%
HK$49,847
+HK$2,859/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,976/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,189
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,508
−HK$1,338/mo
Today · 4.125%
HK$51,846
baseline
▲ 0.50% · 4.625%
HK$54,579
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,692/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$605,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,584
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,189
−HK$1,630/mo
Today · 4.125%
HK$54,819
baseline
▲ 0.50% · 4.625%
HK$58,155
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,638/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,387
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,926
−HK$1,561/mo
Today · 4.125%
HK$60,487
baseline
▲ 0.50% · 4.625%
HK$63,676
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,974/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$605,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,323
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,386
−HK$2,096/mo
Today · 4.125%
HK$70,482
baseline
▲ 0.50% · 4.625%
HK$74,770
+HK$4,288/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$140,964/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,783
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,762
−HK$2,008/mo
Today · 4.125%
HK$77,770
baseline
▲ 0.50% · 4.625%
HK$81,869
+HK$4,099/mo
Deposit HK$1.62M · loan HK$14.54M · min. income ≈ HK$155,540/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$605,951 · Scale 2, in force from 26 Feb 2026)