LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,896
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,075
−HK$1,197/mo
Today · 4.125%
HK$40,272
baseline
▲ 0.50% · 4.625%
HK$42,723
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,544/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,159
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,289
−HK$1,147/mo
Today · 4.125%
HK$44,436
baseline
▲ 0.50% · 4.625%
HK$46,779
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,872/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,475
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,890
−HK$1,437/mo
Today · 4.125%
HK$48,327
baseline
▲ 0.50% · 4.625%
HK$51,267
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,654/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,590
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,947
−HK$1,377/mo
Today · 4.125%
HK$53,324
baseline
▲ 0.50% · 4.625%
HK$56,135
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,648/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,054
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,704
−HK$1,677/mo
Today · 4.125%
HK$56,381
baseline
▲ 0.50% · 4.625%
HK$59,812
+HK$3,431/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$112,762/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,022
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,605
−HK$1,606/mo
Today · 4.125%
HK$62,211
baseline
▲ 0.50% · 4.625%
HK$65,490
+HK$3,279/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$124,422/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,213
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,334
−HK$2,156/mo
Today · 4.125%
HK$72,490
baseline
▲ 0.50% · 4.625%
HK$76,901
+HK$4,411/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$144,980/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,886
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,921
−HK$2,065/mo
Today · 4.125%
HK$79,986
baseline
▲ 0.50% · 4.625%
HK$84,202
+HK$4,216/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$159,972/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,217 · Scale 2, in force from 26 Feb 2026)