LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,943
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,124
−HK$1,199/mo
Today · 4.125%
HK$40,323
baseline
▲ 0.50% · 4.625%
HK$42,776
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,646/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,212
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,344
−HK$1,148/mo
Today · 4.125%
HK$44,492
baseline
▲ 0.50% · 4.625%
HK$46,838
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,984/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,532
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,948
−HK$1,439/mo
Today · 4.125%
HK$48,387
baseline
▲ 0.50% · 4.625%
HK$51,332
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,774/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,654
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,013
−HK$1,378/mo
Today · 4.125%
HK$53,391
baseline
▲ 0.50% · 4.625%
HK$56,205
+HK$2,814/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,782/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,121
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,773
−HK$1,679/mo
Today · 4.125%
HK$56,452
baseline
▲ 0.50% · 4.625%
HK$59,887
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,904/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,096
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,681
−HK$1,608/mo
Today · 4.125%
HK$62,289
baseline
▲ 0.50% · 4.625%
HK$65,573
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,578/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,298
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,423
−HK$2,158/mo
Today · 4.125%
HK$72,581
baseline
▲ 0.50% · 4.625%
HK$76,997
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,162/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,981
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,019
−HK$2,067/mo
Today · 4.125%
HK$80,086
baseline
▲ 0.50% · 4.625%
HK$84,308
+HK$4,222/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,172/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,000 · Scale 2, in force from 26 Feb 2026)