LTV · monthly repayment
▼ 0.50% · 3.625%
HK$37,965
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,146
−HK$1,200/mo
Today · 4.125%
HK$40,346
baseline
▲ 0.50% · 4.625%
HK$42,801
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,692/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,236
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,369
−HK$1,149/mo
Today · 4.125%
HK$44,518
baseline
▲ 0.50% · 4.625%
HK$46,865
+HK$2,347/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,036/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,558
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,976
−HK$1,439/mo
Today · 4.125%
HK$48,415
baseline
▲ 0.50% · 4.625%
HK$51,361
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,830/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,683
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,043
−HK$1,379/mo
Today · 4.125%
HK$53,422
baseline
▲ 0.50% · 4.625%
HK$56,237
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,844/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,152
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,805
−HK$1,680/mo
Today · 4.125%
HK$56,485
baseline
▲ 0.50% · 4.625%
HK$59,922
+HK$3,437/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,970/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,131
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,716
−HK$1,609/mo
Today · 4.125%
HK$62,325
baseline
▲ 0.50% · 4.625%
HK$65,610
+HK$3,285/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,650/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,338
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,463
−HK$2,160/mo
Today · 4.125%
HK$72,623
baseline
▲ 0.50% · 4.625%
HK$77,042
+HK$4,419/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,246/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,025
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,064
−HK$2,068/mo
Today · 4.125%
HK$80,132
baseline
▲ 0.50% · 4.625%
HK$84,356
+HK$4,224/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,264/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,361 · Scale 2, in force from 26 Feb 2026)