LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,103
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,288
−HK$1,204/mo
Today · 4.125%
HK$40,492
baseline
▲ 0.50% · 4.625%
HK$42,956
+HK$2,464/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,984/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,389
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,526
−HK$1,153/mo
Today · 4.125%
HK$44,679
baseline
▲ 0.50% · 4.625%
HK$47,034
+HK$2,355/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,358/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,723
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,146
−HK$1,445/mo
Today · 4.125%
HK$48,591
baseline
▲ 0.50% · 4.625%
HK$51,547
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,182/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,867
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,231
−HK$1,384/mo
Today · 4.125%
HK$53,615
baseline
▲ 0.50% · 4.625%
HK$56,441
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,230/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,344
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,003
−HK$1,686/mo
Today · 4.125%
HK$56,689
baseline
▲ 0.50% · 4.625%
HK$60,139
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,378/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,345
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,936
−HK$1,615/mo
Today · 4.125%
HK$62,551
baseline
▲ 0.50% · 4.625%
HK$65,848
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,102/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,585
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,719
−HK$2,167/mo
Today · 4.125%
HK$72,886
baseline
▲ 0.50% · 4.625%
HK$77,321
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,772/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,300
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,347
−HK$2,076/mo
Today · 4.125%
HK$80,423
baseline
▲ 0.50% · 4.625%
HK$84,662
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,846/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,622 · Scale 2, in force from 26 Feb 2026)