LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,747
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,921
−HK$1,193/mo
Today · 4.125%
HK$40,114
baseline
▲ 0.50% · 4.625%
HK$42,555
+HK$2,441/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,228/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,993
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,120
−HK$1,142/mo
Today · 4.125%
HK$44,262
baseline
▲ 0.50% · 4.625%
HK$46,595
+HK$2,333/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,524/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,297
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,705
−HK$1,432/mo
Today · 4.125%
HK$48,137
baseline
▲ 0.50% · 4.625%
HK$51,066
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,274/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,392
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,743
−HK$1,371/mo
Today · 4.125%
HK$53,114
baseline
▲ 0.50% · 4.625%
HK$55,914
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,228/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,846
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,490
−HK$1,670/mo
Today · 4.125%
HK$56,160
baseline
▲ 0.50% · 4.625%
HK$59,577
+HK$3,417/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,320/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,791
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,367
−HK$1,600/mo
Today · 4.125%
HK$61,967
baseline
▲ 0.50% · 4.625%
HK$65,233
+HK$3,266/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,934/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,945
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,058
−HK$2,148/mo
Today · 4.125%
HK$72,206
baseline
▲ 0.50% · 4.625%
HK$76,599
+HK$4,393/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,412/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,588
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,615
−HK$2,057/mo
Today · 4.125%
HK$79,672
baseline
▲ 0.50% · 4.625%
HK$83,871
+HK$4,199/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,344/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,771 · Scale 2, in force from 26 Feb 2026)