LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,536
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,703
−HK$1,186/mo
Today · 4.125%
HK$39,889
baseline
▲ 0.50% · 4.625%
HK$42,317
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,778/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,758
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,878
−HK$1,136/mo
Today · 4.125%
HK$44,014
baseline
▲ 0.50% · 4.625%
HK$46,334
+HK$2,320/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,028/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,043
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,444
−HK$1,423/mo
Today · 4.125%
HK$47,867
baseline
▲ 0.50% · 4.625%
HK$50,780
+HK$2,913/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$95,734/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,110
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,454
−HK$1,363/mo
Today · 4.125%
HK$52,817
baseline
▲ 0.50% · 4.625%
HK$55,601
+HK$2,784/mo
Deposit HK$6.58M · loan HK$9.88M · min. income ≈ HK$105,634/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,550
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,185
−HK$1,660/mo
Today · 4.125%
HK$55,845
baseline
▲ 0.50% · 4.625%
HK$59,243
+HK$3,398/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,690/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,461
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,029
−HK$1,591/mo
Today · 4.125%
HK$61,620
baseline
▲ 0.50% · 4.625%
HK$64,868
+HK$3,248/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,240/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,564
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,666
−HK$2,135/mo
Today · 4.125%
HK$71,801
baseline
▲ 0.50% · 4.625%
HK$76,170
+HK$4,369/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,602/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,164
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,180
−HK$2,045/mo
Today · 4.125%
HK$79,225
baseline
▲ 0.50% · 4.625%
HK$83,401
+HK$4,176/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,450/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,294 · Scale 2, in force from 26 Feb 2026)