LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,097
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,282
−HK$1,204/mo
Today · 4.125%
HK$40,486
baseline
▲ 0.50% · 4.625%
HK$42,950
+HK$2,464/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,972/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,383
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,520
−HK$1,153/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,028
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,717
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,139
−HK$1,445/mo
Today · 4.125%
HK$48,584
baseline
▲ 0.50% · 4.625%
HK$51,540
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,168/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,860
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,224
−HK$1,383/mo
Today · 4.125%
HK$53,607
baseline
▲ 0.50% · 4.625%
HK$56,433
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,214/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,336
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,995
−HK$1,686/mo
Today · 4.125%
HK$56,681
baseline
▲ 0.50% · 4.625%
HK$60,130
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,362/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,336
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,927
−HK$1,615/mo
Today · 4.125%
HK$62,542
baseline
▲ 0.50% · 4.625%
HK$65,839
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,084/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,575
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,708
−HK$2,168/mo
Today · 4.125%
HK$72,876
baseline
▲ 0.50% · 4.625%
HK$77,310
+HK$4,434/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,752/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,289
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,335
−HK$2,076/mo
Today · 4.125%
HK$80,411
baseline
▲ 0.50% · 4.625%
HK$84,650
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,822/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,531 · Scale 2, in force from 26 Feb 2026)