LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,853
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,000
−HK$1,164/mo
Today · 4.125%
HK$39,164
baseline
▲ 0.50% · 4.625%
HK$41,548
+HK$2,384/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$606,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,999
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,099
−HK$1,115/mo
Today · 4.125%
HK$43,214
baseline
▲ 0.50% · 4.625%
HK$45,492
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,428/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,224
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,600
−HK$1,397/mo
Today · 4.125%
HK$46,997
baseline
▲ 0.50% · 4.625%
HK$49,857
+HK$2,860/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$93,994/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,199
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,518
−HK$1,339/mo
Today · 4.125%
HK$51,857
baseline
▲ 0.50% · 4.625%
HK$54,590
+HK$2,733/mo
Deposit HK$6.46M · loan HK$9.70M · min. income ≈ HK$103,714/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,595
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$53,200
−HK$1,630/mo
Today · 4.125%
HK$54,830
baseline
▲ 0.50% · 4.625%
HK$58,167
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$109,660/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,399
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,938
−HK$1,562/mo
Today · 4.125%
HK$60,500
baseline
▲ 0.50% · 4.625%
HK$63,689
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.31M · min. income ≈ HK$121,000/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$606,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,336
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,400
−HK$2,096/mo
Today · 4.125%
HK$70,496
baseline
▲ 0.50% · 4.625%
HK$74,786
+HK$4,290/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$140,992/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,798
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,778
−HK$2,007/mo
Today · 4.125%
HK$77,785
baseline
▲ 0.50% · 4.625%
HK$81,886
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,570/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,074 · Scale 2, in force from 26 Feb 2026)