LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,086
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,271
−HK$1,204/mo
Today · 4.125%
HK$40,475
baseline
▲ 0.50% · 4.625%
HK$42,937
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,950/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,371
−HK$2,289/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$626,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,704
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,125
−HK$1,445/mo
Today · 4.125%
HK$48,570
baseline
▲ 0.50% · 4.625%
HK$51,525
+HK$2,955/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,140/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,845
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,208
−HK$1,384/mo
Today · 4.125%
HK$53,592
baseline
▲ 0.50% · 4.625%
HK$56,417
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,184/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,321
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,979
−HK$1,686/mo
Today · 4.125%
HK$56,665
baseline
▲ 0.50% · 4.625%
HK$60,112
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,330/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,319
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,910
−HK$1,614/mo
Today · 4.125%
HK$62,524
baseline
▲ 0.50% · 4.625%
HK$65,819
+HK$3,295/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,048/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,555
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,688
−HK$2,166/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$626,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,267
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,313
−HK$2,075/mo
Today · 4.125%
HK$80,388
baseline
▲ 0.50% · 4.625%
HK$84,625
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,776/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,350 · Scale 2, in force from 26 Feb 2026)