LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,887
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,066
−HK$1,197/mo
Today · 4.125%
HK$40,263
baseline
▲ 0.50% · 4.625%
HK$42,713
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,526/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,149
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,280
−HK$1,147/mo
Today · 4.125%
HK$44,427
baseline
▲ 0.50% · 4.625%
HK$46,768
+HK$2,341/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,854/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,465
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,879
−HK$1,437/mo
Today · 4.125%
HK$48,316
baseline
▲ 0.50% · 4.625%
HK$51,256
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,632/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,579
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,936
−HK$1,376/mo
Today · 4.125%
HK$53,312
baseline
▲ 0.50% · 4.625%
HK$56,122
+HK$2,810/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,624/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,042
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,692
−HK$1,677/mo
Today · 4.125%
HK$56,369
baseline
▲ 0.50% · 4.625%
HK$59,798
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,738/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,009
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,592
−HK$1,605/mo
Today · 4.125%
HK$62,197
baseline
▲ 0.50% · 4.625%
HK$65,476
+HK$3,279/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,394/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,197
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,319
−HK$2,155/mo
Today · 4.125%
HK$72,474
baseline
▲ 0.50% · 4.625%
HK$76,884
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,948/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,869
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,904
−HK$2,064/mo
Today · 4.125%
HK$79,968
baseline
▲ 0.50% · 4.625%
HK$84,183
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,936/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,079 · Scale 2, in force from 26 Feb 2026)