LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,955
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,135
−HK$1,200/mo
Today · 4.125%
HK$40,335
baseline
▲ 0.50% · 4.625%
HK$42,789
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,670/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,224
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,357
−HK$1,148/mo
Today · 4.125%
HK$44,505
baseline
▲ 0.50% · 4.625%
HK$46,851
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,010/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,546
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,962
−HK$1,440/mo
Today · 4.125%
HK$48,402
baseline
▲ 0.50% · 4.625%
HK$51,347
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,804/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,669
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,028
−HK$1,379/mo
Today · 4.125%
HK$53,407
baseline
▲ 0.50% · 4.625%
HK$56,222
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,814/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,137
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,789
−HK$1,680/mo
Today · 4.125%
HK$56,469
baseline
▲ 0.50% · 4.625%
HK$59,905
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,938/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,114
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,699
−HK$1,609/mo
Today · 4.125%
HK$62,308
baseline
▲ 0.50% · 4.625%
HK$65,592
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,616/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,318
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,444
−HK$2,159/mo
Today · 4.125%
HK$72,603
baseline
▲ 0.50% · 4.625%
HK$77,020
+HK$4,417/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,206/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,004
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,042
−HK$2,068/mo
Today · 4.125%
HK$80,110
baseline
▲ 0.50% · 4.625%
HK$84,333
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,220/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,185 · Scale 2, in force from 26 Feb 2026)