LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,862
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,009
−HK$1,165/mo
Today · 4.125%
HK$39,174
baseline
▲ 0.50% · 4.625%
HK$41,558
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,348/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,009
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,109
−HK$1,116/mo
Today · 4.125%
HK$43,225
baseline
▲ 0.50% · 4.625%
HK$45,503
+HK$2,278/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,450/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,235
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,611
−HK$1,398/mo
Today · 4.125%
HK$47,009
baseline
▲ 0.50% · 4.625%
HK$49,869
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,018/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,211
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,531
−HK$1,338/mo
Today · 4.125%
HK$51,869
baseline
▲ 0.50% · 4.625%
HK$54,604
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,738/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,607
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,213
−HK$1,630/mo
Today · 4.125%
HK$54,843
baseline
▲ 0.50% · 4.625%
HK$58,181
+HK$3,338/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,686/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,413
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$58,952
−HK$1,562/mo
Today · 4.125%
HK$60,514
baseline
▲ 0.50% · 4.625%
HK$63,704
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,028/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,352
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,416
−HK$2,097/mo
Today · 4.125%
HK$70,513
baseline
▲ 0.50% · 4.625%
HK$74,804
+HK$4,291/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,026/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,816
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,796
−HK$2,008/mo
Today · 4.125%
HK$77,804
baseline
▲ 0.50% · 4.625%
HK$81,905
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,608/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,220 · Scale 2, in force from 26 Feb 2026)