LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,738
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,912
−HK$1,193/mo
Today · 4.125%
HK$40,105
baseline
▲ 0.50% · 4.625%
HK$42,545
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,210/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,983
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,109
−HK$1,142/mo
Today · 4.125%
HK$44,251
baseline
▲ 0.50% · 4.625%
HK$46,584
+HK$2,333/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,502/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,286
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,694
−HK$1,431/mo
Today · 4.125%
HK$48,125
baseline
▲ 0.50% · 4.625%
HK$51,054
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,250/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,380
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,731
−HK$1,371/mo
Today · 4.125%
HK$53,102
baseline
▲ 0.50% · 4.625%
HK$55,901
+HK$2,799/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,204/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,833
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,477
−HK$1,669/mo
Today · 4.125%
HK$56,146
baseline
▲ 0.50% · 4.625%
HK$59,563
+HK$3,417/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,292/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,776
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,353
−HK$1,599/mo
Today · 4.125%
HK$61,952
baseline
▲ 0.50% · 4.625%
HK$65,217
+HK$3,265/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,904/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,928
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,041
−HK$2,147/mo
Today · 4.125%
HK$72,188
baseline
▲ 0.50% · 4.625%
HK$76,581
+HK$4,393/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,376/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,570
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,596
−HK$2,056/mo
Today · 4.125%
HK$79,652
baseline
▲ 0.50% · 4.625%
HK$83,851
+HK$4,199/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,304/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,622 · Scale 2, in force from 26 Feb 2026)