LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,075
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,260
−HK$1,203/mo
Today · 4.125%
HK$40,463
baseline
▲ 0.50% · 4.625%
HK$42,925
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,926/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,358
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,494
−HK$1,153/mo
Today · 4.125%
HK$44,647
baseline
▲ 0.50% · 4.625%
HK$47,000
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,294/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,690
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,112
−HK$1,444/mo
Today · 4.125%
HK$48,556
baseline
▲ 0.50% · 4.625%
HK$51,510
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,112/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,830
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,193
−HK$1,383/mo
Today · 4.125%
HK$53,576
baseline
▲ 0.50% · 4.625%
HK$56,400
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,152/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,305
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,963
−HK$1,685/mo
Today · 4.125%
HK$56,648
baseline
▲ 0.50% · 4.625%
HK$60,095
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,296/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,302
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,892
−HK$1,614/mo
Today · 4.125%
HK$62,506
baseline
▲ 0.50% · 4.625%
HK$65,800
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,012/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,535
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,667
−HK$2,166/mo
Today · 4.125%
HK$72,833
baseline
▲ 0.50% · 4.625%
HK$77,265
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,666/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,245
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,290
−HK$2,074/mo
Today · 4.125%
HK$80,364
baseline
▲ 0.50% · 4.625%
HK$84,600
+HK$4,236/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,728/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,168 · Scale 2, in force from 26 Feb 2026)