LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,882
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,030
−HK$1,165/mo
Today · 4.125%
HK$39,195
baseline
▲ 0.50% · 4.625%
HK$41,580
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,390/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,031
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,132
−HK$1,116/mo
Today · 4.125%
HK$43,248
baseline
▲ 0.50% · 4.625%
HK$45,528
+HK$2,280/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,496/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,259
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,635
−HK$1,399/mo
Today · 4.125%
HK$47,034
baseline
▲ 0.50% · 4.625%
HK$49,896
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,068/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,237
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,558
−HK$1,340/mo
Today · 4.125%
HK$51,898
baseline
▲ 0.50% · 4.625%
HK$54,633
+HK$2,735/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$103,796/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,635
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,241
−HK$1,632/mo
Today · 4.125%
HK$54,873
baseline
▲ 0.50% · 4.625%
HK$58,212
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,746/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,444
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,984
−HK$1,563/mo
Today · 4.125%
HK$60,547
baseline
▲ 0.50% · 4.625%
HK$63,739
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,094/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,388
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,453
−HK$2,098/mo
Today · 4.125%
HK$70,551
baseline
▲ 0.50% · 4.625%
HK$74,844
+HK$4,293/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,102/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,856
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,837
−HK$2,009/mo
Today · 4.125%
HK$77,846
baseline
▲ 0.50% · 4.625%
HK$81,950
+HK$4,104/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,692/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,549 · Scale 2, in force from 26 Feb 2026)