LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,063
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,247
−HK$1,203/mo
Today · 4.125%
HK$40,450
baseline
▲ 0.50% · 4.625%
HK$42,911
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,900/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,345
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,481
−HK$1,152/mo
Today · 4.125%
HK$44,633
baseline
▲ 0.50% · 4.625%
HK$46,985
+HK$2,352/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,266/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,676
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,097
−HK$1,443/mo
Today · 4.125%
HK$48,540
baseline
▲ 0.50% · 4.625%
HK$51,494
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,080/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,814
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,177
−HK$1,382/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,382
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,288
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,946
−HK$1,684/mo
Today · 4.125%
HK$56,630
baseline
▲ 0.50% · 4.625%
HK$60,076
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,260/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,283
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,873
−HK$1,613/mo
Today · 4.125%
HK$62,486
baseline
▲ 0.50% · 4.625%
HK$65,779
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,972/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,514
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,645
−HK$2,165/mo
Today · 4.125%
HK$72,810
baseline
▲ 0.50% · 4.625%
HK$77,240
+HK$4,430/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,620/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,221
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,265
−HK$2,074/mo
Today · 4.125%
HK$80,339
baseline
▲ 0.50% · 4.625%
HK$84,574
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,678/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,969 · Scale 2, in force from 26 Feb 2026)