LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,079
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,203/mo
Today · 4.125%
HK$40,467
baseline
▲ 0.50% · 4.625%
HK$42,929
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,934/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,363
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,152/mo
Today · 4.125%
HK$44,651
baseline
▲ 0.50% · 4.625%
HK$47,005
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,302/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,695
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,116
−HK$1,444/mo
Today · 4.125%
HK$48,560
baseline
▲ 0.50% · 4.625%
HK$51,515
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,120/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,835
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,198
−HK$1,384/mo
Today · 4.125%
HK$53,582
baseline
▲ 0.50% · 4.625%
HK$56,406
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,164/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,311
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,969
−HK$1,685/mo
Today · 4.125%
HK$56,654
baseline
▲ 0.50% · 4.625%
HK$60,101
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,308/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,308
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,898
−HK$1,614/mo
Today · 4.125%
HK$62,512
baseline
▲ 0.50% · 4.625%
HK$65,807
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,024/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,542
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,674
−HK$2,167/mo
Today · 4.125%
HK$72,841
baseline
▲ 0.50% · 4.625%
HK$77,273
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,682/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,253
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,298
−HK$2,074/mo
Today · 4.125%
HK$80,372
baseline
▲ 0.50% · 4.625%
HK$84,609
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,744/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,231 · Scale 2, in force from 26 Feb 2026)