LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,863
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,010
−HK$1,165/mo
Today · 4.125%
HK$39,175
baseline
▲ 0.50% · 4.625%
HK$41,558
+HK$2,383/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,350/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,010
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,110
−HK$1,115/mo
Today · 4.125%
HK$43,225
baseline
▲ 0.50% · 4.625%
HK$45,504
+HK$2,279/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$606,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,236
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,612
−HK$1,398/mo
Today · 4.125%
HK$47,010
baseline
▲ 0.50% · 4.625%
HK$49,870
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,020/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,212
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,532
−HK$1,338/mo
Today · 4.125%
HK$51,870
baseline
▲ 0.50% · 4.625%
HK$54,605
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,740/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,608
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,214
−HK$1,631/mo
Today · 4.125%
HK$54,845
baseline
▲ 0.50% · 4.625%
HK$58,182
+HK$3,337/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,690/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,414
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,953
−HK$1,563/mo
Today · 4.125%
HK$60,516
baseline
▲ 0.50% · 4.625%
HK$63,705
+HK$3,189/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,032/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,353
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,417
−HK$2,097/mo
Today · 4.125%
HK$70,514
baseline
▲ 0.50% · 4.625%
HK$74,805
+HK$4,291/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,028/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,818
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,797
−HK$2,009/mo
Today · 4.125%
HK$77,806
baseline
▲ 0.50% · 4.625%
HK$81,907
+HK$4,101/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,612/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,232 · Scale 2, in force from 26 Feb 2026)