LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,547
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,714
−HK$1,187/mo
Today · 4.125%
HK$39,901
baseline
▲ 0.50% · 4.625%
HK$42,329
+HK$2,428/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,802/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,770
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,890
−HK$1,137/mo
Today · 4.125%
HK$44,027
baseline
▲ 0.50% · 4.625%
HK$46,348
+HK$2,321/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$88,054/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,056
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,457
−HK$1,424/mo
Today · 4.125%
HK$47,881
baseline
▲ 0.50% · 4.625%
HK$50,795
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,762/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,124
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,469
−HK$1,363/mo
Today · 4.125%
HK$52,832
baseline
▲ 0.50% · 4.625%
HK$55,617
+HK$2,785/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,664/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$617,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,565
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,200
−HK$1,661/mo
Today · 4.125%
HK$55,861
baseline
▲ 0.50% · 4.625%
HK$59,261
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,722/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,478
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,047
−HK$1,591/mo
Today · 4.125%
HK$61,638
baseline
▲ 0.50% · 4.625%
HK$64,887
+HK$3,249/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,276/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,584
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,686
−HK$2,136/mo
Today · 4.125%
HK$71,822
baseline
▲ 0.50% · 4.625%
HK$76,192
+HK$4,370/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,644/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,186
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,203
−HK$2,045/mo
Today · 4.125%
HK$79,248
baseline
▲ 0.50% · 4.625%
HK$83,426
+HK$4,178/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,496/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,473 · Scale 2, in force from 26 Feb 2026)