LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,880
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,028
−HK$1,165/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,578
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,029
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,116/mo
Today · 4.125%
HK$43,246
baseline
▲ 0.50% · 4.625%
HK$45,525
+HK$2,279/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,492/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,257
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,633
−HK$1,399/mo
Today · 4.125%
HK$47,032
baseline
▲ 0.50% · 4.625%
HK$49,894
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,064/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,235
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,555
−HK$1,340/mo
Today · 4.125%
HK$51,895
baseline
▲ 0.50% · 4.625%
HK$54,630
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,790/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,633
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,239
−HK$1,632/mo
Today · 4.125%
HK$54,871
baseline
▲ 0.50% · 4.625%
HK$58,209
+HK$3,338/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,742/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,441
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,981
−HK$1,563/mo
Today · 4.125%
HK$60,544
baseline
▲ 0.50% · 4.625%
HK$63,736
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,088/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,385
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,450
−HK$2,098/mo
Today · 4.125%
HK$70,548
baseline
▲ 0.50% · 4.625%
HK$74,840
+HK$4,292/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,096/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,853
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,833
−HK$2,010/mo
Today · 4.125%
HK$77,843
baseline
▲ 0.50% · 4.625%
HK$81,946
+HK$4,103/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,686/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,519 · Scale 2, in force from 26 Feb 2026)