LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,015
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,166
−HK$1,170/mo
Today · 4.125%
HK$39,336
baseline
▲ 0.50% · 4.625%
HK$41,729
+HK$2,393/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,672/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,178
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,283
−HK$1,120/mo
Today · 4.125%
HK$43,403
baseline
▲ 0.50% · 4.625%
HK$45,691
+HK$2,288/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,806/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$608,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,418
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,799
−HK$1,404/mo
Today · 4.125%
HK$47,203
baseline
▲ 0.50% · 4.625%
HK$50,075
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,406/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,414
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,739
−HK$1,345/mo
Today · 4.125%
HK$52,084
baseline
▲ 0.50% · 4.625%
HK$54,829
+HK$2,745/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,168/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,820
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,432
−HK$1,638/mo
Today · 4.125%
HK$55,070
baseline
▲ 0.50% · 4.625%
HK$58,421
+HK$3,351/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,140/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,650
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,196
−HK$1,568/mo
Today · 4.125%
HK$60,764
baseline
▲ 0.50% · 4.625%
HK$63,967
+HK$3,203/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,528/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,626
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,699
−HK$2,105/mo
Today · 4.125%
HK$70,804
baseline
▲ 0.50% · 4.625%
HK$75,113
+HK$4,309/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,608/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,121
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,109
−HK$2,017/mo
Today · 4.125%
HK$78,126
baseline
▲ 0.50% · 4.625%
HK$82,244
+HK$4,118/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,252/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,725 · Scale 2, in force from 26 Feb 2026)