LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,081
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,265
−HK$1,204/mo
Today · 4.125%
HK$40,469
baseline
▲ 0.50% · 4.625%
HK$42,931
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,938/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,364
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,501
−HK$1,152/mo
Today · 4.125%
HK$44,653
baseline
▲ 0.50% · 4.625%
HK$47,007
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,306/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,697
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,118
−HK$1,444/mo
Today · 4.125%
HK$48,562
baseline
▲ 0.50% · 4.625%
HK$51,517
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,124/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,837
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,201
−HK$1,383/mo
Today · 4.125%
HK$53,584
baseline
▲ 0.50% · 4.625%
HK$56,408
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,168/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,313
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,971
−HK$1,685/mo
Today · 4.125%
HK$56,656
baseline
▲ 0.50% · 4.625%
HK$60,104
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,312/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,310
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,901
−HK$1,614/mo
Today · 4.125%
HK$62,515
baseline
▲ 0.50% · 4.625%
HK$65,810
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,030/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,545
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,677
−HK$2,167/mo
Today · 4.125%
HK$72,844
baseline
▲ 0.50% · 4.625%
HK$77,276
+HK$4,432/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,688/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,256
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,301
−HK$2,075/mo
Today · 4.125%
HK$80,376
baseline
▲ 0.50% · 4.625%
HK$84,613
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,752/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,258 · Scale 2, in force from 26 Feb 2026)