LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,086
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,271
−HK$1,203/mo
Today · 4.125%
HK$40,474
baseline
▲ 0.50% · 4.625%
HK$42,937
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,948/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,370
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,507
−HK$1,153/mo
Today · 4.125%
HK$44,660
baseline
▲ 0.50% · 4.625%
HK$47,014
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,320/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,703
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,125
−HK$1,444/mo
Today · 4.125%
HK$48,569
baseline
▲ 0.50% · 4.625%
HK$51,525
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,138/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,844
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,208
−HK$1,383/mo
Today · 4.125%
HK$53,591
baseline
▲ 0.50% · 4.625%
HK$56,416
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,182/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,321
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,979
−HK$1,685/mo
Today · 4.125%
HK$56,664
baseline
▲ 0.50% · 4.625%
HK$60,112
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,328/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,319
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,909
−HK$1,614/mo
Today · 4.125%
HK$62,523
baseline
▲ 0.50% · 4.625%
HK$65,819
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,046/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,555
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,687
−HK$2,167/mo
Today · 4.125%
HK$72,854
baseline
▲ 0.50% · 4.625%
HK$77,287
+HK$4,433/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,708/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,267
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,312
−HK$2,075/mo
Today · 4.125%
HK$80,387
baseline
▲ 0.50% · 4.625%
HK$84,624
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,774/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,346 · Scale 2, in force from 26 Feb 2026)