LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,640
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,810
−HK$1,190/mo
Today · 4.125%
HK$40,000
baseline
▲ 0.50% · 4.625%
HK$42,434
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$80,000/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,874
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,997
−HK$1,139/mo
Today · 4.125%
HK$44,136
baseline
▲ 0.50% · 4.625%
HK$46,462
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,272/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,168
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,572
−HK$1,428/mo
Today · 4.125%
HK$48,000
baseline
▲ 0.50% · 4.625%
HK$50,921
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$96,000/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,248
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,596
−HK$1,367/mo
Today · 4.125%
HK$52,963
baseline
▲ 0.50% · 4.625%
HK$55,755
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,926/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,695
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,335
−HK$1,665/mo
Today · 4.125%
HK$56,000
baseline
▲ 0.50% · 4.625%
HK$59,407
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$112,000/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,623
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,195
−HK$1,595/mo
Today · 4.125%
HK$61,790
baseline
▲ 0.50% · 4.625%
HK$65,047
+HK$3,257/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,580/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,751
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,859
−HK$2,141/mo
Today · 4.125%
HK$72,000
baseline
▲ 0.50% · 4.625%
HK$76,381
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,000/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,373
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,394
−HK$2,051/mo
Today · 4.125%
HK$79,445
baseline
▲ 0.50% · 4.625%
HK$83,632
+HK$4,187/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,890/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,003 · Scale 2, in force from 26 Feb 2026)