LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,071
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,255
−HK$1,203/mo
Today · 4.125%
HK$40,458
baseline
▲ 0.50% · 4.625%
HK$42,920
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,916/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,354
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,489
−HK$1,153/mo
Today · 4.125%
HK$44,642
baseline
▲ 0.50% · 4.625%
HK$46,995
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,284/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,685
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,106
−HK$1,444/mo
Today · 4.125%
HK$48,550
baseline
▲ 0.50% · 4.625%
HK$51,504
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,100/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,824
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,187
−HK$1,383/mo
Today · 4.125%
HK$53,570
baseline
▲ 0.50% · 4.625%
HK$56,394
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,140/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$626,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,299
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,957
−HK$1,685/mo
Today · 4.125%
HK$56,642
baseline
▲ 0.50% · 4.625%
HK$60,088
+HK$3,446/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,284/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,295
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,885
−HK$1,614/mo
Today · 4.125%
HK$62,499
baseline
▲ 0.50% · 4.625%
HK$65,793
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$124,998/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$626,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,528
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,659
−HK$2,166/mo
Today · 4.125%
HK$72,825
baseline
▲ 0.50% · 4.625%
HK$77,256
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,650/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,236
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,281
−HK$2,074/mo
Today · 4.125%
HK$80,355
baseline
▲ 0.50% · 4.625%
HK$84,591
+HK$4,236/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,710/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,098 · Scale 2, in force from 26 Feb 2026)