LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,871
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,049
−HK$1,197/mo
Today · 4.125%
HK$40,246
baseline
▲ 0.50% · 4.625%
HK$42,695
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,492/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,131
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,261
−HK$1,147/mo
Today · 4.125%
HK$44,408
baseline
▲ 0.50% · 4.625%
HK$46,749
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,816/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,446
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,859
−HK$1,436/mo
Today · 4.125%
HK$48,295
baseline
▲ 0.50% · 4.625%
HK$51,234
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,590/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,558
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,914
−HK$1,375/mo
Today · 4.125%
HK$53,289
baseline
▲ 0.50% · 4.625%
HK$56,098
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,578/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,020
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,669
−HK$1,676/mo
Today · 4.125%
HK$56,345
baseline
▲ 0.50% · 4.625%
HK$59,773
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,690/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,984
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,566
−HK$1,605/mo
Today · 4.125%
HK$62,171
baseline
▲ 0.50% · 4.625%
HK$65,448
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,342/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,168
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,289
−HK$2,154/mo
Today · 4.125%
HK$72,443
baseline
▲ 0.50% · 4.625%
HK$76,851
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,886/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,837
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,871
−HK$2,063/mo
Today · 4.125%
HK$79,934
baseline
▲ 0.50% · 4.625%
HK$84,147
+HK$4,213/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,868/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,814 · Scale 2, in force from 26 Feb 2026)