LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,062
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,246
−HK$1,203/mo
Today · 4.125%
HK$40,449
baseline
▲ 0.50% · 4.625%
HK$42,910
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,898/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,344
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,479
−HK$1,152/mo
Today · 4.125%
HK$44,631
baseline
▲ 0.50% · 4.625%
HK$46,984
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,262/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,675
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,095
−HK$1,444/mo
Today · 4.125%
HK$48,539
baseline
▲ 0.50% · 4.625%
HK$51,492
+HK$2,953/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,078/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,813
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,175
−HK$1,383/mo
Today · 4.125%
HK$53,558
baseline
▲ 0.50% · 4.625%
HK$56,381
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,116/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,287
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,945
−HK$1,684/mo
Today · 4.125%
HK$56,629
baseline
▲ 0.50% · 4.625%
HK$60,074
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,258/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,281
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,871
−HK$1,613/mo
Today · 4.125%
HK$62,484
baseline
▲ 0.50% · 4.625%
HK$65,778
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,968/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,512
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,643
−HK$2,165/mo
Today · 4.125%
HK$72,808
baseline
▲ 0.50% · 4.625%
HK$77,238
+HK$4,430/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,616/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,219
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,263
−HK$2,074/mo
Today · 4.125%
HK$80,337
baseline
▲ 0.50% · 4.625%
HK$84,571
+HK$4,234/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,674/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,953 · Scale 2, in force from 26 Feb 2026)