LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,886
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,065
−HK$1,197/mo
Today · 4.125%
HK$40,262
baseline
▲ 0.50% · 4.625%
HK$42,712
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,524/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,148
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,279
−HK$1,146/mo
Today · 4.125%
HK$44,425
baseline
▲ 0.50% · 4.625%
HK$46,767
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,850/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,464
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,878
−HK$1,437/mo
Today · 4.125%
HK$48,315
baseline
▲ 0.50% · 4.625%
HK$51,255
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,630/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,578
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,934
−HK$1,376/mo
Today · 4.125%
HK$53,310
baseline
▲ 0.50% · 4.625%
HK$56,121
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,620/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,041
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,691
−HK$1,676/mo
Today · 4.125%
HK$56,367
baseline
▲ 0.50% · 4.625%
HK$59,797
+HK$3,430/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,734/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,008
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,590
−HK$1,606/mo
Today · 4.125%
HK$62,196
baseline
▲ 0.50% · 4.625%
HK$65,474
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,392/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,196
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,317
−HK$2,155/mo
Today · 4.125%
HK$72,472
baseline
▲ 0.50% · 4.625%
HK$76,882
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,944/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,867
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,902
−HK$2,064/mo
Today · 4.125%
HK$79,966
baseline
▲ 0.50% · 4.625%
HK$84,181
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,932/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,062 · Scale 2, in force from 26 Feb 2026)