LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,756
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,931
−HK$1,193/mo
Today · 4.125%
HK$40,124
baseline
▲ 0.50% · 4.625%
HK$42,565
+HK$2,441/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,248/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,003
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,130
−HK$1,143/mo
Today · 4.125%
HK$44,273
baseline
▲ 0.50% · 4.625%
HK$46,606
+HK$2,333/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,546/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,307
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,717
−HK$1,432/mo
Today · 4.125%
HK$48,149
baseline
▲ 0.50% · 4.625%
HK$51,078
+HK$2,929/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,298/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,404
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,756
−HK$1,371/mo
Today · 4.125%
HK$53,127
baseline
▲ 0.50% · 4.625%
HK$55,928
+HK$2,801/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,254/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,859
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,503
−HK$1,670/mo
Today · 4.125%
HK$56,173
baseline
▲ 0.50% · 4.625%
HK$59,591
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,346/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,805
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,382
−HK$1,600/mo
Today · 4.125%
HK$61,982
baseline
▲ 0.50% · 4.625%
HK$65,249
+HK$3,267/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,964/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,961
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,075
−HK$2,148/mo
Today · 4.125%
HK$72,223
baseline
▲ 0.50% · 4.625%
HK$76,618
+HK$4,395/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,446/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,606
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,634
−HK$2,057/mo
Today · 4.125%
HK$79,691
baseline
▲ 0.50% · 4.625%
HK$83,891
+HK$4,200/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,382/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,921 · Scale 2, in force from 26 Feb 2026)