LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,854
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,031
−HK$1,197/mo
Today · 4.125%
HK$40,228
baseline
▲ 0.50% · 4.625%
HK$42,675
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,456/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,112
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,145/mo
Today · 4.125%
HK$44,387
baseline
▲ 0.50% · 4.625%
HK$46,727
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,774/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,425
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,838
−HK$1,435/mo
Today · 4.125%
HK$48,273
baseline
▲ 0.50% · 4.625%
HK$51,211
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,546/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,535
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,890
−HK$1,375/mo
Today · 4.125%
HK$53,265
baseline
▲ 0.50% · 4.625%
HK$56,072
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,530/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,995
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,644
−HK$1,675/mo
Today · 4.125%
HK$56,319
baseline
▲ 0.50% · 4.625%
HK$59,746
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,638/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,957
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,538
−HK$1,604/mo
Today · 4.125%
HK$62,142
baseline
▲ 0.50% · 4.625%
HK$65,418
+HK$3,276/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,284/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,137
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,257
−HK$2,153/mo
Today · 4.125%
HK$72,410
baseline
▲ 0.50% · 4.625%
HK$76,816
+HK$4,406/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,820/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,802
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,835
−HK$2,062/mo
Today · 4.125%
HK$79,897
baseline
▲ 0.50% · 4.625%
HK$84,109
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,794/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,528 · Scale 2, in force from 26 Feb 2026)