LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,780
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,955
−HK$1,194/mo
Today · 4.125%
HK$40,149
baseline
▲ 0.50% · 4.625%
HK$42,592
+HK$2,443/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,298/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,029
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,157
−HK$1,143/mo
Today · 4.125%
HK$44,300
baseline
▲ 0.50% · 4.625%
HK$46,635
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,600/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,335
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,746
−HK$1,432/mo
Today · 4.125%
HK$48,178
baseline
▲ 0.50% · 4.625%
HK$51,110
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,356/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,435
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,788
−HK$1,372/mo
Today · 4.125%
HK$53,160
baseline
▲ 0.50% · 4.625%
HK$55,962
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,320/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,891
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,537
−HK$1,671/mo
Today · 4.125%
HK$56,208
baseline
▲ 0.50% · 4.625%
HK$59,628
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,416/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,841
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,419
−HK$1,601/mo
Today · 4.125%
HK$62,020
baseline
▲ 0.50% · 4.625%
HK$65,289
+HK$3,269/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,040/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,003
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,118
−HK$2,150/mo
Today · 4.125%
HK$72,268
baseline
▲ 0.50% · 4.625%
HK$76,665
+HK$4,397/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,536/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,653
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,682
−HK$2,058/mo
Today · 4.125%
HK$79,740
baseline
▲ 0.50% · 4.625%
HK$83,943
+HK$4,203/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,480/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,305 · Scale 2, in force from 26 Feb 2026)