LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,068
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,252
−HK$1,203/mo
Today · 4.125%
HK$40,455
baseline
▲ 0.50% · 4.625%
HK$42,917
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,910/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,350
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,486
−HK$1,152/mo
Today · 4.125%
HK$44,638
baseline
▲ 0.50% · 4.625%
HK$46,991
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,276/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,681
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,102
−HK$1,444/mo
Today · 4.125%
HK$48,546
baseline
▲ 0.50% · 4.625%
HK$51,500
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,092/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,820
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,183
−HK$1,383/mo
Today · 4.125%
HK$53,566
baseline
▲ 0.50% · 4.625%
HK$56,389
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,132/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,295
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,953
−HK$1,684/mo
Today · 4.125%
HK$56,637
baseline
▲ 0.50% · 4.625%
HK$60,083
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,274/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,290
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,880
−HK$1,613/mo
Today · 4.125%
HK$62,493
baseline
▲ 0.50% · 4.625%
HK$65,787
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$124,986/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,522
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,654
−HK$2,165/mo
Today · 4.125%
HK$72,819
baseline
▲ 0.50% · 4.625%
HK$77,250
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,638/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,230
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,275
−HK$2,074/mo
Today · 4.125%
HK$80,349
baseline
▲ 0.50% · 4.625%
HK$84,584
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,698/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,046 · Scale 2, in force from 26 Feb 2026)