LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,860
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,038
−HK$1,197/mo
Today · 4.125%
HK$40,235
baseline
▲ 0.50% · 4.625%
HK$42,683
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,470/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,119
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,249
−HK$1,146/mo
Today · 4.125%
HK$44,395
baseline
▲ 0.50% · 4.625%
HK$46,735
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,790/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,432
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,846
−HK$1,435/mo
Today · 4.125%
HK$48,281
baseline
▲ 0.50% · 4.625%
HK$51,219
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,562/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,543
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,899
−HK$1,375/mo
Today · 4.125%
HK$53,274
baseline
▲ 0.50% · 4.625%
HK$56,082
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,548/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,004
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,653
−HK$1,675/mo
Today · 4.125%
HK$56,328
baseline
▲ 0.50% · 4.625%
HK$59,756
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,656/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,967
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,548
−HK$1,605/mo
Today · 4.125%
HK$62,153
baseline
▲ 0.50% · 4.625%
HK$65,429
+HK$3,276/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,306/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,149
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,268
−HK$2,154/mo
Today · 4.125%
HK$72,422
baseline
▲ 0.50% · 4.625%
HK$76,829
+HK$4,407/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,844/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,815
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,848
−HK$2,063/mo
Today · 4.125%
HK$79,911
baseline
▲ 0.50% · 4.625%
HK$84,123
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,822/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,633 · Scale 2, in force from 26 Feb 2026)