LTV · monthly repayment
▼ 0.50% · 3.625%
HK$38,104
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,289
−HK$1,204/mo
Today · 4.125%
HK$40,493
baseline
▲ 0.50% · 4.625%
HK$42,957
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$80,986/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,390
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,527
−HK$1,153/mo
Today · 4.125%
HK$44,680
baseline
▲ 0.50% · 4.625%
HK$47,035
+HK$2,355/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,360/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,724
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,147
−HK$1,445/mo
Today · 4.125%
HK$48,592
baseline
▲ 0.50% · 4.625%
HK$51,548
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$97,184/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,868
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,232
−HK$1,384/mo
Today · 4.125%
HK$53,616
baseline
▲ 0.50% · 4.625%
HK$56,442
+HK$2,826/mo
Deposit HK$6.68M · loan HK$10.03M · min. income ≈ HK$107,232/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,345
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,004
−HK$1,686/mo
Today · 4.125%
HK$56,690
baseline
▲ 0.50% · 4.625%
HK$60,140
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,380/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,346
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,937
−HK$1,615/mo
Today · 4.125%
HK$62,552
baseline
▲ 0.50% · 4.625%
HK$65,849
+HK$3,297/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,104/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,586
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,720
−HK$2,167/mo
Today · 4.125%
HK$72,887
baseline
▲ 0.50% · 4.625%
HK$77,322
+HK$4,435/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,774/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,302
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,348
−HK$2,076/mo
Today · 4.125%
HK$80,424
baseline
▲ 0.50% · 4.625%
HK$84,663
+HK$4,239/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,848/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,634 · Scale 2, in force from 26 Feb 2026)