LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,883
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,030
−HK$1,166/mo
Today · 4.125%
HK$39,196
baseline
▲ 0.50% · 4.625%
HK$41,581
+HK$2,385/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,392/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,032
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,132
−HK$1,117/mo
Today · 4.125%
HK$43,249
baseline
▲ 0.50% · 4.625%
HK$45,528
+HK$2,279/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,498/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$606,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,260
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,636
−HK$1,399/mo
Today · 4.125%
HK$47,035
baseline
▲ 0.50% · 4.625%
HK$49,897
+HK$2,862/mo
Deposit HK$6.47M · loan HK$9.70M · min. income ≈ HK$94,070/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,238
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,559
−HK$1,339/mo
Today · 4.125%
HK$51,898
baseline
▲ 0.50% · 4.625%
HK$54,634
+HK$2,736/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$606,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,636
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$53,242
−HK$1,632/mo
Today · 4.125%
HK$54,874
baseline
▲ 0.50% · 4.625%
HK$58,213
+HK$3,339/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$109,748/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,445
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,985
−HK$1,563/mo
Today · 4.125%
HK$60,548
baseline
▲ 0.50% · 4.625%
HK$63,740
+HK$3,192/mo
Deposit HK$4.85M · loan HK$11.32M · min. income ≈ HK$121,096/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,389
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$68,454
−HK$2,098/mo
Today · 4.125%
HK$70,552
baseline
▲ 0.50% · 4.625%
HK$74,845
+HK$4,293/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,104/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,857
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,838
−HK$2,010/mo
Today · 4.125%
HK$77,848
baseline
▲ 0.50% · 4.625%
HK$81,951
+HK$4,103/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,696/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$606,559 · Scale 2, in force from 26 Feb 2026)