LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,955
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,105
−HK$1,167/mo
Today · 4.125%
HK$39,272
baseline
▲ 0.50% · 4.625%
HK$41,662
+HK$2,390/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$78,544/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,112
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,215
−HK$1,118/mo
Today · 4.125%
HK$43,333
baseline
▲ 0.50% · 4.625%
HK$45,617
+HK$2,284/mo
Deposit HK$8.10M · loan HK$8.10M · min. income ≈ HK$86,666/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$607,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,346
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,726
−HK$1,401/mo
Today · 4.125%
HK$47,127
baseline
▲ 0.50% · 4.625%
HK$49,995
+HK$2,868/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$94,254/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,335
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,658
−HK$1,342/mo
Today · 4.125%
HK$52,000
baseline
▲ 0.50% · 4.625%
HK$54,741
+HK$2,741/mo
Deposit HK$6.48M · loan HK$9.72M · min. income ≈ HK$104,000/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$607,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,737
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,346
−HK$1,635/mo
Today · 4.125%
HK$54,981
baseline
▲ 0.50% · 4.625%
HK$58,327
+HK$3,346/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$109,962/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,557
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,101
−HK$1,566/mo
Today · 4.125%
HK$60,667
baseline
▲ 0.50% · 4.625%
HK$63,864
+HK$3,197/mo
Deposit HK$4.86M · loan HK$11.34M · min. income ≈ HK$121,334/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$607,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,519
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,588
−HK$2,102/mo
Today · 4.125%
HK$70,690
baseline
▲ 0.50% · 4.625%
HK$74,992
+HK$4,302/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,380/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,002
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,987
−HK$2,013/mo
Today · 4.125%
HK$78,000
baseline
▲ 0.50% · 4.625%
HK$82,111
+HK$4,111/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,000/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$607,746 · Scale 2, in force from 26 Feb 2026)