LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,902
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,050
−HK$1,166/mo
Today · 4.125%
HK$39,216
baseline
▲ 0.50% · 4.625%
HK$41,602
+HK$2,386/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$78,432/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,053
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,154
−HK$1,117/mo
Today · 4.125%
HK$43,271
baseline
▲ 0.50% · 4.625%
HK$45,552
+HK$2,281/mo
Deposit HK$8.09M · loan HK$8.09M · min. income ≈ HK$86,542/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$606,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,283
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,660
−HK$1,399/mo
Today · 4.125%
HK$47,059
baseline
▲ 0.50% · 4.625%
HK$49,923
+HK$2,864/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$94,118/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,264
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,585
−HK$1,340/mo
Today · 4.125%
HK$51,925
baseline
▲ 0.50% · 4.625%
HK$54,662
+HK$2,737/mo
Deposit HK$6.47M · loan HK$9.71M · min. income ≈ HK$103,850/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$606,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,663
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,270
−HK$1,633/mo
Today · 4.125%
HK$54,903
baseline
▲ 0.50% · 4.625%
HK$58,243
+HK$3,340/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$109,806/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,474
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,016
−HK$1,564/mo
Today · 4.125%
HK$60,580
baseline
▲ 0.50% · 4.625%
HK$63,773
+HK$3,193/mo
Deposit HK$4.85M · loan HK$11.33M · min. income ≈ HK$121,160/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$606,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,424
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,490
−HK$2,099/mo
Today · 4.125%
HK$70,589
baseline
▲ 0.50% · 4.625%
HK$74,884
+HK$4,295/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$141,178/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,896
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$75,878
−HK$2,010/mo
Today · 4.125%
HK$77,888
baseline
▲ 0.50% · 4.625%
HK$81,994
+HK$4,106/mo
Deposit HK$1.62M · loan HK$14.56M · min. income ≈ HK$155,776/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$606,875 · Scale 2, in force from 26 Feb 2026)