LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,867
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,014
−HK$1,165/mo
Today · 4.125%
HK$39,179
baseline
▲ 0.50% · 4.625%
HK$41,563
+HK$2,384/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$78,358/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,014
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,114
−HK$1,116/mo
Today · 4.125%
HK$43,230
baseline
▲ 0.50% · 4.625%
HK$45,509
+HK$2,279/mo
Deposit HK$8.08M · loan HK$8.08M · min. income ≈ HK$86,460/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,240
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,616
−HK$1,399/mo
Today · 4.125%
HK$47,015
baseline
▲ 0.50% · 4.625%
HK$49,875
+HK$2,860/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,030/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,217
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,537
−HK$1,339/mo
Today · 4.125%
HK$51,876
baseline
▲ 0.50% · 4.625%
HK$54,610
+HK$2,734/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,752/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$606,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,614
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,219
−HK$1,631/mo
Today · 4.125%
HK$54,850
baseline
▲ 0.50% · 4.625%
HK$58,188
+HK$3,338/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,700/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,420
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,960
−HK$1,562/mo
Today · 4.125%
HK$60,522
baseline
▲ 0.50% · 4.625%
HK$63,712
+HK$3,190/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,044/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,360
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,425
−HK$2,097/mo
Today · 4.125%
HK$70,522
baseline
▲ 0.50% · 4.625%
HK$74,813
+HK$4,291/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$141,044/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,825
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,805
−HK$2,009/mo
Today · 4.125%
HK$77,814
baseline
▲ 0.50% · 4.625%
HK$81,916
+HK$4,102/mo
Deposit HK$1.62M · loan HK$14.55M · min. income ≈ HK$155,628/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,296 · Scale 2, in force from 26 Feb 2026)