LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,889
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,197/mo
Today · 4.125%
HK$40,265
baseline
▲ 0.50% · 4.625%
HK$42,715
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,530/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,151
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,282
−HK$1,147/mo
Today · 4.125%
HK$44,429
baseline
▲ 0.50% · 4.625%
HK$46,770
+HK$2,341/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,858/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,467
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,881
−HK$1,437/mo
Today · 4.125%
HK$48,318
baseline
▲ 0.50% · 4.625%
HK$51,258
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,636/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,581
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,938
−HK$1,376/mo
Today · 4.125%
HK$53,314
baseline
▲ 0.50% · 4.625%
HK$56,125
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,628/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,045
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,695
−HK$1,676/mo
Today · 4.125%
HK$56,371
baseline
▲ 0.50% · 4.625%
HK$59,801
+HK$3,430/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,742/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,012
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,594
−HK$1,606/mo
Today · 4.125%
HK$62,200
baseline
▲ 0.50% · 4.625%
HK$65,479
+HK$3,279/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,400/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,200
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,322
−HK$2,155/mo
Today · 4.125%
HK$72,477
baseline
▲ 0.50% · 4.625%
HK$76,887
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,954/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,872
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,907
−HK$2,064/mo
Today · 4.125%
HK$79,971
baseline
▲ 0.50% · 4.625%
HK$84,187
+HK$4,216/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,942/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,106 · Scale 2, in force from 26 Feb 2026)