LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,099
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,284
−HK$1,204/mo
Today · 4.125%
HK$40,488
baseline
▲ 0.50% · 4.625%
HK$42,952
+HK$2,464/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,976/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,385
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,521
−HK$1,154/mo
Today · 4.125%
HK$44,675
baseline
▲ 0.50% · 4.625%
HK$47,029
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,350/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,719
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,141
−HK$1,445/mo
Today · 4.125%
HK$48,586
baseline
▲ 0.50% · 4.625%
HK$51,542
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,172/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,862
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,226
−HK$1,383/mo
Today · 4.125%
HK$53,609
baseline
▲ 0.50% · 4.625%
HK$56,435
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,218/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,338
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,998
−HK$1,685/mo
Today · 4.125%
HK$56,683
baseline
▲ 0.50% · 4.625%
HK$60,132
+HK$3,449/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,366/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,338
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,930
−HK$1,614/mo
Today · 4.125%
HK$62,544
baseline
▲ 0.50% · 4.625%
HK$65,841
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,088/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,578
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,711
−HK$2,167/mo
Today · 4.125%
HK$72,878
baseline
▲ 0.50% · 4.625%
HK$77,313
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,756/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,292
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,338
−HK$2,076/mo
Today · 4.125%
HK$80,414
baseline
▲ 0.50% · 4.625%
HK$84,653
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,828/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,556 · Scale 2, in force from 26 Feb 2026)