LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,821
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,998
−HK$1,195/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,639
+HK$2,446/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$621,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,076
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,204
−HK$1,145/mo
Today · 4.125%
HK$44,349
baseline
▲ 0.50% · 4.625%
HK$46,687
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,698/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$621,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,386
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,797
−HK$1,435/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$51,167
+HK$2,935/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,491
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,845
−HK$1,374/mo
Today · 4.125%
HK$53,219
baseline
▲ 0.50% · 4.625%
HK$56,024
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,438/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,950
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,597
−HK$1,673/mo
Today · 4.125%
HK$56,270
baseline
▲ 0.50% · 4.625%
HK$59,694
+HK$3,424/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,540/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,906
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,486
−HK$1,603/mo
Today · 4.125%
HK$62,089
baseline
▲ 0.50% · 4.625%
HK$65,362
+HK$3,273/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,178/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,079
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,196
−HK$2,152/mo
Today · 4.125%
HK$72,348
baseline
▲ 0.50% · 4.625%
HK$76,750
+HK$4,402/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,696/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,737
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,768
−HK$2,061/mo
Today · 4.125%
HK$79,829
baseline
▲ 0.50% · 4.625%
HK$84,036
+HK$4,207/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,658/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,994 · Scale 2, in force from 26 Feb 2026)