LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,767
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,942
−HK$1,194/mo
Today · 4.125%
HK$40,136
baseline
▲ 0.50% · 4.625%
HK$42,578
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,272/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,016
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,143
−HK$1,143/mo
Today · 4.125%
HK$44,286
baseline
▲ 0.50% · 4.625%
HK$46,620
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,572/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,321
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,731
−HK$1,432/mo
Today · 4.125%
HK$48,163
baseline
▲ 0.50% · 4.625%
HK$51,093
+HK$2,930/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,326/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,419
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,771
−HK$1,372/mo
Today · 4.125%
HK$53,143
baseline
▲ 0.50% · 4.625%
HK$55,944
+HK$2,801/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,286/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,874
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,519
−HK$1,671/mo
Today · 4.125%
HK$56,190
baseline
▲ 0.50% · 4.625%
HK$59,609
+HK$3,419/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,380/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,822
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,400
−HK$1,600/mo
Today · 4.125%
HK$62,000
baseline
▲ 0.50% · 4.625%
HK$65,268
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$124,000/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,981
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,096
−HK$2,148/mo
Today · 4.125%
HK$72,244
baseline
▲ 0.50% · 4.625%
HK$76,640
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,488/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,628
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,657
−HK$2,057/mo
Today · 4.125%
HK$79,714
baseline
▲ 0.50% · 4.625%
HK$83,916
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,428/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,104 · Scale 2, in force from 26 Feb 2026)