LTV · monthly repayment
▼ 0.50% · 3.625%
HK$36,971
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,168/mo
Today · 4.125%
HK$39,289
baseline
▲ 0.50% · 4.625%
HK$41,680
+HK$2,391/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$78,578/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$608,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,129
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,232
−HK$1,119/mo
Today · 4.125%
HK$43,351
baseline
▲ 0.50% · 4.625%
HK$45,637
+HK$2,286/mo
Deposit HK$8.11M · loan HK$8.11M · min. income ≈ HK$86,702/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$608,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,365
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,745
−HK$1,402/mo
Today · 4.125%
HK$47,147
baseline
▲ 0.50% · 4.625%
HK$50,015
+HK$2,868/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$94,294/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,355
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,679
−HK$1,343/mo
Today · 4.125%
HK$52,022
baseline
▲ 0.50% · 4.625%
HK$54,764
+HK$2,742/mo
Deposit HK$6.49M · loan HK$9.73M · min. income ≈ HK$104,044/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$608,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,759
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,369
−HK$1,636/mo
Today · 4.125%
HK$55,005
baseline
▲ 0.50% · 4.625%
HK$58,351
+HK$3,346/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$110,010/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,581
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,125
−HK$1,567/mo
Today · 4.125%
HK$60,692
baseline
▲ 0.50% · 4.625%
HK$63,891
+HK$3,199/mo
Deposit HK$4.86M · loan HK$11.35M · min. income ≈ HK$121,384/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$608,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,547
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,617
−HK$2,103/mo
Today · 4.125%
HK$70,720
baseline
▲ 0.50% · 4.625%
HK$75,023
+HK$4,303/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$141,440/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,033
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,018
−HK$2,015/mo
Today · 4.125%
HK$78,033
baseline
▲ 0.50% · 4.625%
HK$82,146
+HK$4,113/mo
Deposit HK$1.62M · loan HK$14.59M · min. income ≈ HK$156,066/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,000 · Scale 2, in force from 26 Feb 2026)