LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,877
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,055
−HK$1,197/mo
Today · 4.125%
HK$40,252
baseline
▲ 0.50% · 4.625%
HK$42,701
+HK$2,449/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,504/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,137
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,267
−HK$1,147/mo
Today · 4.125%
HK$44,414
baseline
▲ 0.50% · 4.625%
HK$46,755
+HK$2,341/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,828/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,452
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,866
−HK$1,436/mo
Today · 4.125%
HK$48,302
baseline
▲ 0.50% · 4.625%
HK$51,241
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,604/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,565
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,921
−HK$1,376/mo
Today · 4.125%
HK$53,297
baseline
▲ 0.50% · 4.625%
HK$56,106
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,594/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,027
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,677
−HK$1,675/mo
Today · 4.125%
HK$56,352
baseline
▲ 0.50% · 4.625%
HK$59,781
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,704/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,992
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,574
−HK$1,605/mo
Today · 4.125%
HK$62,179
baseline
▲ 0.50% · 4.625%
HK$65,457
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,358/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,178
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,298
−HK$2,155/mo
Today · 4.125%
HK$72,453
baseline
▲ 0.50% · 4.625%
HK$76,862
+HK$4,409/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,906/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,847
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,881
−HK$2,064/mo
Today · 4.125%
HK$79,945
baseline
▲ 0.50% · 4.625%
HK$84,159
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,890/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,900 · Scale 2, in force from 26 Feb 2026)