LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,918
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,066
−HK$1,167/mo
Today · 4.125%
HK$39,233
baseline
▲ 0.50% · 4.625%
HK$41,620
+HK$2,387/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,466/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,071
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,172
−HK$1,118/mo
Today · 4.125%
HK$43,290
baseline
▲ 0.50% · 4.625%
HK$45,571
+HK$2,281/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,580/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$607,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,301
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,679
−HK$1,400/mo
Today · 4.125%
HK$47,079
baseline
▲ 0.50% · 4.625%
HK$49,944
+HK$2,865/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$94,158/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,285
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,607
−HK$1,340/mo
Today · 4.125%
HK$51,947
baseline
▲ 0.50% · 4.625%
HK$54,686
+HK$2,739/mo
Deposit HK$6.48M · loan HK$9.71M · min. income ≈ HK$103,894/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$607,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,685
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,293
−HK$1,633/mo
Today · 4.125%
HK$54,926
baseline
▲ 0.50% · 4.625%
HK$58,268
+HK$3,342/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$109,852/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,499
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,041
−HK$1,564/mo
Today · 4.125%
HK$60,605
baseline
▲ 0.50% · 4.625%
HK$63,800
+HK$3,195/mo
Deposit HK$4.86M · loan HK$11.33M · min. income ≈ HK$121,210/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$607,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,452
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,519
−HK$2,100/mo
Today · 4.125%
HK$70,619
baseline
▲ 0.50% · 4.625%
HK$74,916
+HK$4,297/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$141,238/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,927
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,910
−HK$2,011/mo
Today · 4.125%
HK$77,921
baseline
▲ 0.50% · 4.625%
HK$82,029
+HK$4,108/mo
Deposit HK$1.62M · loan HK$14.57M · min. income ≈ HK$155,842/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,132 · Scale 2, in force from 26 Feb 2026)