LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,772
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,947
−HK$1,194/mo
Today · 4.125%
HK$40,141
baseline
▲ 0.50% · 4.625%
HK$42,583
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,282/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,021
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,148
−HK$1,143/mo
Today · 4.125%
HK$44,291
baseline
▲ 0.50% · 4.625%
HK$46,626
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,582/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,326
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,736
−HK$1,433/mo
Today · 4.125%
HK$48,169
baseline
▲ 0.50% · 4.625%
HK$51,100
+HK$2,931/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,338/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,425
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,777
−HK$1,372/mo
Today · 4.125%
HK$53,149
baseline
▲ 0.50% · 4.625%
HK$55,951
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,298/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,881
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,526
−HK$1,671/mo
Today · 4.125%
HK$56,197
baseline
▲ 0.50% · 4.625%
HK$59,616
+HK$3,419/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,394/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,829
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,407
−HK$1,601/mo
Today · 4.125%
HK$62,008
baseline
▲ 0.50% · 4.625%
HK$65,276
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,016/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,989
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,104
−HK$2,149/mo
Today · 4.125%
HK$72,253
baseline
▲ 0.50% · 4.625%
HK$76,649
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,506/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,638
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,666
−HK$2,058/mo
Today · 4.125%
HK$79,724
baseline
▲ 0.50% · 4.625%
HK$83,926
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,448/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,180 · Scale 2, in force from 26 Feb 2026)