LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,863
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,041
−HK$1,197/mo
Today · 4.125%
HK$40,238
baseline
▲ 0.50% · 4.625%
HK$42,686
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,476/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,122
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,252
−HK$1,146/mo
Today · 4.125%
HK$44,398
baseline
▲ 0.50% · 4.625%
HK$46,739
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,796/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,436
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,849
−HK$1,436/mo
Today · 4.125%
HK$48,285
baseline
▲ 0.50% · 4.625%
HK$51,223
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,570/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,547
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,903
−HK$1,375/mo
Today · 4.125%
HK$53,278
baseline
▲ 0.50% · 4.625%
HK$56,086
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,556/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,009
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,657
−HK$1,676/mo
Today · 4.125%
HK$56,333
baseline
▲ 0.50% · 4.625%
HK$59,760
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,666/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,971
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,553
−HK$1,604/mo
Today · 4.125%
HK$62,157
baseline
▲ 0.50% · 4.625%
HK$65,434
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,314/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,154
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,274
−HK$2,154/mo
Today · 4.125%
HK$72,428
baseline
▲ 0.50% · 4.625%
HK$76,835
+HK$4,407/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,856/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,820
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,854
−HK$2,063/mo
Today · 4.125%
HK$79,917
baseline
▲ 0.50% · 4.625%
HK$84,129
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,834/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,681 · Scale 2, in force from 26 Feb 2026)