LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,089
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,274
−HK$1,204/mo
Today · 4.125%
HK$40,478
baseline
▲ 0.50% · 4.625%
HK$42,941
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,956/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,374
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,510
−HK$1,153/mo
Today · 4.125%
HK$44,663
baseline
▲ 0.50% · 4.625%
HK$47,017
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,326/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,707
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,129
−HK$1,444/mo
Today · 4.125%
HK$48,573
baseline
▲ 0.50% · 4.625%
HK$51,529
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,146/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,848
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,212
−HK$1,384/mo
Today · 4.125%
HK$53,596
baseline
▲ 0.50% · 4.625%
HK$56,421
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,192/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,325
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,983
−HK$1,686/mo
Today · 4.125%
HK$56,669
baseline
▲ 0.50% · 4.625%
HK$60,117
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,338/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,323
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,914
−HK$1,614/mo
Today · 4.125%
HK$62,528
baseline
▲ 0.50% · 4.625%
HK$65,824
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,056/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,560
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,693
−HK$2,167/mo
Today · 4.125%
HK$72,860
baseline
▲ 0.50% · 4.625%
HK$77,293
+HK$4,433/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,720/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,273
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,318
−HK$2,075/mo
Today · 4.125%
HK$80,393
baseline
▲ 0.50% · 4.625%
HK$84,631
+HK$4,238/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,786/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,395 · Scale 2, in force from 26 Feb 2026)