LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,558
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,726
−HK$1,187/mo
Today · 4.125%
HK$39,913
baseline
▲ 0.50% · 4.625%
HK$42,342
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,826/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,903
−HK$1,137/mo
Today · 4.125%
HK$44,040
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,322/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,080/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,070
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,471
−HK$1,425/mo
Today · 4.125%
HK$47,896
baseline
▲ 0.50% · 4.625%
HK$50,810
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,792/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,139
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,484
−HK$1,364/mo
Today · 4.125%
HK$52,848
baseline
▲ 0.50% · 4.625%
HK$55,634
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,696/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,581
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,217
−HK$1,661/mo
Today · 4.125%
HK$55,878
baseline
▲ 0.50% · 4.625%
HK$59,278
+HK$3,400/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,756/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,496
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,065
−HK$1,591/mo
Today · 4.125%
HK$61,656
baseline
▲ 0.50% · 4.625%
HK$64,906
+HK$3,250/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,312/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,604
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,707
−HK$2,137/mo
Today · 4.125%
HK$71,844
baseline
▲ 0.50% · 4.625%
HK$76,215
+HK$4,371/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$143,688/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,209
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,226
−HK$2,046/mo
Today · 4.125%
HK$79,272
baseline
▲ 0.50% · 4.625%
HK$83,451
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.82M · min. income ≈ HK$158,544/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$617,660 · Scale 2, in force from 26 Feb 2026)