LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,088
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,242
−HK$1,172/mo
Today · 4.125%
HK$39,414
baseline
▲ 0.50% · 4.625%
HK$41,812
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,828/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,260
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,367
−HK$1,122/mo
Today · 4.125%
HK$43,489
baseline
▲ 0.50% · 4.625%
HK$45,782
+HK$2,293/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,978/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,506
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,890
−HK$1,406/mo
Today · 4.125%
HK$47,296
baseline
▲ 0.50% · 4.625%
HK$50,174
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,592/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,512
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,840
−HK$1,347/mo
Today · 4.125%
HK$52,187
baseline
▲ 0.50% · 4.625%
HK$54,938
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,374/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,923
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,538
−HK$1,641/mo
Today · 4.125%
HK$55,179
baseline
▲ 0.50% · 4.625%
HK$58,537
+HK$3,358/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,358/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,764
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,313
−HK$1,572/mo
Today · 4.125%
HK$60,885
baseline
▲ 0.50% · 4.625%
HK$64,094
+HK$3,209/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,770/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,758
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,835
−HK$2,110/mo
Today · 4.125%
HK$70,945
baseline
▲ 0.50% · 4.625%
HK$75,262
+HK$4,317/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,890/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,268
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,260
−HK$2,020/mo
Today · 4.125%
HK$78,280
baseline
▲ 0.50% · 4.625%
HK$82,407
+HK$4,127/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,560/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$609,932 · Scale 2, in force from 26 Feb 2026)