LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,830
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,007
−HK$1,195/mo
Today · 4.125%
HK$40,202
baseline
▲ 0.50% · 4.625%
HK$42,648
+HK$2,446/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,404/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,085
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,214
−HK$1,145/mo
Today · 4.125%
HK$44,359
baseline
▲ 0.50% · 4.625%
HK$46,697
+HK$2,338/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,718/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,396
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,808
−HK$1,434/mo
Today · 4.125%
HK$48,242
baseline
▲ 0.50% · 4.625%
HK$51,178
+HK$2,936/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$96,484/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,502
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,857
−HK$1,374/mo
Today · 4.125%
HK$53,231
baseline
▲ 0.50% · 4.625%
HK$56,037
+HK$2,806/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$106,462/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,962
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,609
−HK$1,674/mo
Today · 4.125%
HK$56,283
baseline
▲ 0.50% · 4.625%
HK$59,708
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,566/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,919
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,500
−HK$1,603/mo
Today · 4.125%
HK$62,103
baseline
▲ 0.50% · 4.625%
HK$65,376
+HK$3,273/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,206/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,094
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,212
−HK$2,152/mo
Today · 4.125%
HK$72,364
baseline
▲ 0.50% · 4.625%
HK$76,767
+HK$4,403/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,728/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,753
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,785
−HK$2,061/mo
Today · 4.125%
HK$79,846
baseline
▲ 0.50% · 4.625%
HK$84,055
+HK$4,209/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,692/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,131 · Scale 2, in force from 26 Feb 2026)