LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,950
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,130
−HK$1,200/mo
Today · 4.125%
HK$40,330
baseline
▲ 0.50% · 4.625%
HK$42,784
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,660/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,219
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,351
−HK$1,149/mo
Today · 4.125%
HK$44,500
baseline
▲ 0.50% · 4.625%
HK$46,846
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,000/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,540
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,957
−HK$1,439/mo
Today · 4.125%
HK$48,396
baseline
▲ 0.50% · 4.625%
HK$51,340
+HK$2,944/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,792/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,663
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,022
−HK$1,378/mo
Today · 4.125%
HK$53,400
baseline
▲ 0.50% · 4.625%
HK$56,215
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,800/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,130
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,783
−HK$1,679/mo
Today · 4.125%
HK$56,462
baseline
▲ 0.50% · 4.625%
HK$59,897
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,924/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,107
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,692
−HK$1,608/mo
Today · 4.125%
HK$62,300
baseline
▲ 0.50% · 4.625%
HK$65,584
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,600/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,310
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,435
−HK$2,159/mo
Today · 4.125%
HK$72,594
baseline
▲ 0.50% · 4.625%
HK$77,011
+HK$4,417/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,188/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,994
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,032
−HK$2,068/mo
Today · 4.125%
HK$80,100
baseline
▲ 0.50% · 4.625%
HK$84,322
+HK$4,222/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,200/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,107 · Scale 2, in force from 26 Feb 2026)