LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,061
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,245
−HK$1,203/mo
Today · 4.125%
HK$40,448
baseline
▲ 0.50% · 4.625%
HK$42,909
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,896/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,342
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,478
−HK$1,152/mo
Today · 4.125%
HK$44,630
baseline
▲ 0.50% · 4.625%
HK$46,983
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,260/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,673
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,094
−HK$1,443/mo
Today · 4.125%
HK$48,537
baseline
▲ 0.50% · 4.625%
HK$51,491
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$97,074/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,811
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,174
−HK$1,382/mo
Today · 4.125%
HK$53,556
baseline
▲ 0.50% · 4.625%
HK$56,379
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$107,112/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,285
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,943
−HK$1,684/mo
Today · 4.125%
HK$56,627
baseline
▲ 0.50% · 4.625%
HK$60,072
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,254/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,279
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,869
−HK$1,613/mo
Today · 4.125%
HK$62,482
baseline
▲ 0.50% · 4.625%
HK$65,776
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,964/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,510
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,641
−HK$2,165/mo
Today · 4.125%
HK$72,806
baseline
▲ 0.50% · 4.625%
HK$77,236
+HK$4,430/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,612/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,216
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,261
−HK$2,073/mo
Today · 4.125%
HK$80,334
baseline
▲ 0.50% · 4.625%
HK$84,569
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,668/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,933 · Scale 2, in force from 26 Feb 2026)