LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,853
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,999
−HK$1,165/mo
Today · 4.125%
HK$39,164
baseline
▲ 0.50% · 4.625%
HK$41,547
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,328/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,998
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,098
−HK$1,115/mo
Today · 4.125%
HK$43,213
baseline
▲ 0.50% · 4.625%
HK$45,491
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,426/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,223
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,599
−HK$1,397/mo
Today · 4.125%
HK$46,996
baseline
▲ 0.50% · 4.625%
HK$49,856
+HK$2,860/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,992/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,198
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,517
−HK$1,339/mo
Today · 4.125%
HK$51,856
baseline
▲ 0.50% · 4.625%
HK$54,589
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,712/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,594
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,630/mo
Today · 4.125%
HK$54,829
baseline
▲ 0.50% · 4.625%
HK$58,165
+HK$3,336/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,658/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,398
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,937
−HK$1,562/mo
Today · 4.125%
HK$60,499
baseline
▲ 0.50% · 4.625%
HK$63,688
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$120,998/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,335
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,398
−HK$2,097/mo
Today · 4.125%
HK$70,495
baseline
▲ 0.50% · 4.625%
HK$74,784
+HK$4,289/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$140,990/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,797
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,776
−HK$2,008/mo
Today · 4.125%
HK$77,784
baseline
▲ 0.50% · 4.625%
HK$81,884
+HK$4,100/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,568/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,063 · Scale 2, in force from 26 Feb 2026)